Breaking in a saddle can be painful. Make sure it's adjusted so your buttbones (that, my friends is a medical term! ) sit on the padded part. Loose undergarments can actually make things worse, so you may have to do what I did and bow to the lycra gods (I rejected lycra for years) - at least I don't have to wear that stuff BMX'ing.

Chamoise butter works VERY well, or a little medicated powder splashed among the twig and berries works wonders if you're going to be wearing boxers.

Here's the final cut