Welcome to the wonderful world of guitars... and CHORDIE!
When I first started, I had a hard time cutting my nails. I do so now quite happily! Take your time. Fret that D then pick each string to make sure your fingers are right where they belong. If not, adjust until each string rings clear. The hardest part about beginning is that you will be ready to move on before your fingers will allow you to (pain in building up callouses!). If you do start with nylon, you won't build up such tough callouses and you'll be able to move ahead quicker with your learning, but to strum you'll eventually want to go to steel. You could string your steel guitar with nylon (although some may argue that point) and then put steel on when you're ready. I simply started with a BAD steel string... moved to a nice classical nylon... then got a decent steel string. If you're playing an el-cheapo from somewhere like Wal-mart, do yourself a favor and spend a bit more money for a real guitar. It'll make that D much easier! GOOD LUCK girl!!
Amy
Art and beauty are in the eyes of the beholder.
What constitutes excellent music is in the ears of the listener.