Masturbation Problems

I am in my 20s and I have never masturbated ever. I know that sounds strange and odd and usually teens explore themselves all the time but I have never done it. I don't know why I haven't but it's to the point now where I am too afraid to even try it. 
​Whenever I start to try I find that I chicken out and can never follow through with it, even if my head it telling me "just do it".  
​I have had issues with tampons and they have always been painful to even use so I am afraid it will be unpleasant to masturbate
​I am probably hyping it up to be far worse than it is in my head but I don't know how to move forward and just try it.  Does anyone have any advice?