Ah, me. Thank you all so much! I've listened to all you've had to say and found it all very helpful. :')

As per your advice, I'll try tweaking some things (saddle and handles positioning, etc) on my own... and if I still can't get it right, I'll go in for a new saddle and save for a new bike plus a fitting. I assume I can always switch the new saddle over to a new bike later on anyway, right?

In the interim I'll wear some gloves and tough it out... but my bum will surely protest! The saddle feels as if it's trying to, er, force its way up my nether regions and has quite bruised the inside areas. Is there any way to combat this sort of battering whilst saving up? I'm one step away from tying a pillow to my bike seat! I did it as a child, so I've no problem doing it now haha