Is it normal that i am horny every day and just want to masturbate?

maybe its your period when you bleed

You have to be slow and gentle while fingering yourself you dont wanna hurt your self and there are mussles in there obvioucley so try to bend your finger and what not to go in as deep as you feel comfortable
and the only way you can lose your virginity is if a penis goes in your vag nothing else can take it from you

I prefer clitoral stimulation over penetration when I masturbate.

For more advice, you may want to try checking out what's available at the local adult store.

The best way to achieve what you desire, is with the help of another! Good luck with your choices

But how can make fingering myself less painful?

Lol no, fingering yourself until you bleed is not losing your virginity. Seriously? However your horniness is normal. I'm rarely horny. I'm sexual but I have a lower sex drive than a lot of people and that made me worry I was weird. There shouldn't be a normal or abnormal when it comes to sex drive. Do whatever makes you comfortable. It's not a race and if you don't want to have sex often (or at all) and if you want to masturbate a lot, all should be considered natural, healthy and normal. Don't feel ashamed.

Go have sex if you can.