I'm too scared to finger myself help 😭

I'm 18 almost 19 and still a virgin because I always turn down sex. I'm always so scared of having things inside me. I don't want it to hurt. I wouldn't even wear a tampon.

I've always wanted to finger myself and the thought of getting fingered turns me on a lot. But I don't have the courage to do that.

Will it hurt or will I bleed? Some tips to start fingering myself? Please help me.