you might not be lubricated enough,... tickle your CLITORIS awhile, then you should feel your lubrication ozzing. then insert your third finger into your opening, witch Should be able to take it in... just go short in and outs for starters, then you fel the tickle comming, go a bit faster, you should squirt your cream from your pee hole, which is your Ejackulation... ENJOY IT,get to know your own body , then you will also enjoy a guy inside you!! GOOD LUCK
You sound like you have an infection or a reaction to something. You have to get it checked to rule out everything. You may need antibiotics...