In other words: index finger on the third string, second fret, long finger on the first string, second fret, and ring finger on the second string, third fret.
The frets are the strips of metal that run across the neck. When I say “at the second fret”, it really means “in the space between the first and second metal bands” — “in the second box”.
Place your fingers as close to the middle of the “box” as possible. The whole point of putting a finger there is to “break” the string with an edge against the next fret band. If you press it down too close to the fret, you will have to press down harder to get that edge, and if you get too far back towards the first fret band, you may not get a sharp enough angle over the next fret to “break” the string. In both cases, you will either get a buzzing sound, or a very muffled sound (or no sound at all).
This is the first challenge with the D chord: to get the ring finger far enough up into the third fret and away from the two fingers at the second fret. I remember having struggled with that, and I’ve seen beginners sweating blood over it. If it’s any consolation, I can’t imagine now what the problem was; it does become second nature, and quicker than you might think while you’re cursing that little bugger of a ring finger. The same goes for all the chords, by the way.
Try also to place your fingers so that they are as perpendicular as possible to the fretboard. This should not be overdone, of course, but it is essential to good playing that you don’t accidentally stop one string with the finger of another string. This risk is minimized by the straighter attack from perpendicular fingers.
According to classical guitar technique, the thumb should be placed somewhere below the middle of the neck. If you’re just going to be playing chords, this is impractical, but the reason for it is well worth keeping in mind: the thumb is not there to hold the guitar, but to give support to the other fingers. Hence, it should be where it is most needed, which will be opposite where you finger the strings. So, don’t grab the neck like it was a stick. Instead, hold your arm out, let your hang hang down, naturally relaxed (like the zombie-posture, or something). Then, holding that position, twist your hand upwards, and you have your starting position.
Again: the goal is to be relaxed. Save as much as your energy as possible for when you really need it.
The D chord is a drag for two reasons. First, it’s boring. I’ll explain why tomorrow. Second, because it’s rigid: it fixes the hand in a certain position, and there isn’t much you can do with it. Both reasons have to do with the two “x”s in the chord chart: you should not play on the two deepest strings. That means that for your first chord, you will not be able to take advantage of the full sound potential of your instrument, which means that your girlfriend will only be slightly impressed — if at all.
But you’ll get there, don’t worry. For the time being, you have what’s needed to play — “Frere Jacques”. Finger your D chord and strike the strings with your thumb or — as I would prefer — the nail side of your index finger. Strike down in a steady rhythm where there is a dot. Try to avoid the two deepest strings:
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