The little corkscrew on swiss-army knives works okay as well if you don't have a drill bit handy. Or if you just have a nice pointed blade on your pocket knife you can sort of gouge out a hole.

Your fingernail really doesn't have any nerves in it, so if you are careful and don't go too deep into the skin beneath you won't feel a thing.

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Keep everything as simple as possible-but no simpler--Albert Einstein