I would have to agree with Fourpaws. Masterbation is completely normal and I've never seen any hard evidenct that it is harmful. It will help you get in tune with your body and will help you have more pleasure once you do start having intercourse. If you have sexual tension building, your heart starts beating faster, your blood pressure rises, among other things, so I can't imagine that those things would be all that healthy for you. I say go ahead and maserbate. You'll feel better.
Masterbation is completely normal! Good for you that your waiting to have sex until marraige. Masterbation isn't going to make you lose sensitivity, it will only get you in tune to your body and you'll know what makes you feel good. The ony thing I have heard is when you use vibrators all the time, you can develope a tolerance to the vibration, but if your not using it everyday you'll be fine. I prefer doing it without the toy anyway.