ok. first off, if you don't want to masturbate then don't. don't let your boyfriend talk you into anything that you are not ready to do yet.
if you are ready, try using one fnger maybe your pointer finger, keep it wet and insert it into your vagina. it is going to be painful if you haven't ever had sex or masturbated because your vagina isn't use to spreading like that. also, it helps to do it when you are horny. just jumping into it for no reason wont give you the results you are looking for. you might bleed a little and that is ok cause it just means you broke your hymen (a thin layer of skin that covers the tip of the
cervix).
if you find that insertion doesn't work.
play with your clitoris. rub it gently till it starts to feel good then start to go as fast as you need to. this will sound funny. when i first masturbated at 14, i humped a pillow

it worked too. all i needed was that clitoral stimulation. try that.
other than the bleeding there are no side effects. OH, make sure your fingers are clean. you don't want to get a infection from dirty fingers.
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