Fingering Hurts.

I have tried to finger myself for years with no success. The closest I’ve got is the tip of my pinky grazing my hole. My stomach really hurts whenever I touch around that area. I can touch everywhere else with no problems but when I touch there my stomach cramps and I get turned off.

Can someone please tell me what is wrong and what I can do to finger my self better. I’m 16 and I have tried since I was around 13 and no luck.