Um. Unless you have some sort of weird fetish that doesn't involve putting things inside you, you have a problem.

Masturbating usually involves putting things inside you (if you're a girl that is).

no, you can masterbate by just rubbing your clit; there doesn't need to be any penetration to have an orgasm

It helps though.

http://upload.wikimedia.org/wikipedia/commons/thumb/b/bb/Autocunnilingus.jpg/651px-Autocunnilingus.jpg

let me do that for you, honey!

Without knowing how you masterbating now it is hard to say. But give yourself some vaeriety. Try in different time of the day in different pkaces. Delopes some wild fanticies. As far as not likeing thing put inside you; I am only guessing but you might still have an intact hyman. You dont need to save it for a man. The site goaskalice.com has (or least I think it still does) advice on how to strech your hymen out of the way yourself. If you can get comfortable with putting things insde you, you will experiance a whole new world of fun.