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RAG+muffin(muslin)......a GUY WHO is RAGGED because of that whose muslin cloths are torn apart and have become DIRTY.

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divide it as ragged clothed+muffin which stands for bread so a beggar having a bread in his hands normally wears tattered clothes

MUFF means one who is unskilful in sports...people will tear muff's clothes because of his poor performance and he will become a RAGGED MUFFin

mothers have a habbit of calling their child "muffin". rag + muffin

rag is always dirty waste thing, muff means person, waste person having little value.