Masturbation/Tampons

ok well im a 16 year old girl and I get turned on by some things really easily lol but I’ve never masturbated and I’ve never done anything sexual with a guy..well besides making out. I was just curious if I should be masturbating.. I have a boyfriend and im afraid that if he wants to finger me at some point that it will hurt really bad because I havnt done anything down there.. I’ve thought about masturbating before but im to afraid that ill do something wrong and mess something up and it just seems gross lol. I’ve never used a tampon either.. I’ve wanted to because pads are really annoying and uncomfortable sometimes but I havnt been able to try to use one.. would it still fit even though nothings been done down there? because it just seems like the hole is small. is there an easy way to put a tampon in? is there a wrong way?