Do you finger yourself while masturbating?

I'm 22 and a virgin. To date I have always just rubbed my clit and around to get off. I have never fingered myself. I have tried however I am so tight and the pain is unbearable. I have never used tampons either. I am recently seeing someone (my first ever partner) and I am worried if things get sexual I will freak out because everything down there is so painful. 

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