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If the holes are near your stomach, your belt buckle may be the culprit. Going beltless is an obvious solution to this problem, but it’s not always possible. You can also try adjusting the position of the belt, or even smoothing out any rough or potentially sharp edges with sandpaper.
Finally—and yes, this is going to sound terribly obvious—be careful of rough surfaces like brick and stone, as well as objects that might protrude from those surfaces, like nails.
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