A variable bowtie system, comprising: (i) a neckband adapted to adjustably fit around the neck of a person, having, in use, a forward-facing portion corresponding to the location of a person's top front shirt button at the forward portion of the neck; (ii) a mounting-stud pair affixed to said neckband at the forward-facing portion and protruding forward; (iii) at least two half-bow units, each having at least two layers of textile material comprising a front face and a back face, and each having a together-facing edge which comes in closest proximity to another half-bow unit when in use, where the front face and the back face of each said half-bow unit, at the together-facing edge, are left partially detached, forming a pocket at the together-facing edge; (iv) a unit tab extension affixed to the back face of the together-facing edge of each said half-bow unit, adapted to fit into the pocket at the together-facing edge of another said half-bow unit; (v) one hole placed in each said half-bow unit near the together-facing edge and another hole placed in each said unit tab extension, such that the two holes together are adapted to fit over said mounting-stud pair; where, in use, two half-bow units are brought together at the together-facing edges in such a way that one of the unit tab extensions is positioned behind the back face of the other said half-bow unit, and the other unit tab extension is positioned inside the pocket of the other half-bow unit, where the forward-most unit tab extension is concealed behind the front face of the other half-bow unit; and (vi) at least one retaining collar adapted to fit around, and hold together, the assembled together-facing edges of said half-bow units, said mounting-stud pair, and said neckband; where said half-bow units and said retaining collars are provided in a variety of colors, allowing the person to choose specific colors and combinations and to change such colors and combinations as desired. (i) a neckband adapted to adjustably fit around the neck of a person, having, in use, a forward-facing portion corresponding to the location of a person's top front shirt button at the forward portion of the neck; (ii) a mounting-stud pair affixed to said neckband at the forward-facing portion and protruding forward; (iii) at least two half-bow units, each having at least two layers of textile material comprising a front face and a back face, and each having a together-facing edge which comes in closest proximity to another half-bow unit when in use, where the front face and the back face of each said half-bow unit, at the together-facing edge, are left partially detached, forming a pocket at the together-facing edge; (iv) a unit tab extension affixed to the back face of the together-facing edge of each said half-bow unit, adapted to fit into the pocket at the together-facing edge of another said half-bow unit; (v) one hole placed in each said half-bow unit near the together-facing edge and another hole placed in each said unit tab extension, such that the two holes together are adapted to fit over said mounting-stud pair; where, in use, two half-bow units are brought together at the together-facing edges in such a way that one of the unit tab extensions is positioned behind the back face of the other said half-bow unit, and the other unit tab extension is positioned inside the pocket of the other half-bow unit, where the forward-most unit tab extension is concealed behind the front face of the other half-bow unit; and (vi) at least one retaining collar adapted to fit around, and hold together, the assembled together-facing edges of said half-bow units, said mounting-stud pair, and said neckband;