All the above suggestions can work. It also depends what equipment you have 'around the house'. I have a drill press in the garage that works wonders, but most people don't have that. The Dremel works well making a slot. A carto punch is what I use to make holes in my no-hole cartos. I have heard people use a small nail and hammer it appropriately into the carto. With all these YMMV.
I would not try a hand drill. I would try the nail and hammer, but I am quite handy and would not hurt myself doing this. Whatever you try, go slow and be careful.