You can tell your mom that your periods have stopped for three months without having to tell her that you masturbate. The two are not related. Don't worry, you are probably irregular only because at first, it takes a while for the body and periods to regulate themselves.
Masturbating won't cause you to have fertility problems. (I guess, unless you put something into your vagina that gives you a serious infection, but frankly that would be hard to do.) And even a vaginal infection does not stop periods.