You might want to trim your fingernails, too. They are just going to get in the way and make things more difficult. It sounds like a bit of a coordination problem. Your fingers just may not be working together, yet. Like Hunter said, we start to play guitar and suddenly expect them to do some amazing acrobatics, but they don't have the experience or training yet. Don't give up!!
Try the warm up exercises on the site (ie: spiderlegs warm up) and they'll help you get all dexterous and coordinated.
...so ever since then, I always hang on to the buckle.