As evidenced by the tag at the bottom of your posts, I think decals scare you too much. I have had some really bad screw-ups with some of the finest ones, sometimes you can put them back in the water and get it back on the paper. I use a tweezers to hold the paper and then a soft brush to move it off the paper onto the model. Never use your fingers, no matter what the temptation. 9 times out of 10 the decal will stick to your fingers and then trying to get it off will result in tearing. The best way I have ever found is to take it slow and methodical, as a wise man (Wotjek) has said, modeling is not a race!