How do I finger a girl?

This is a bit uncomfortable but my friends are all talking about fingering girls and I know what it means an all; I'm just not sure about the operation as a whole. My question is, when u finger a girl do you touch her trouser or underneath her trousers? Please don't laugh - not that ill know even if u do! So do u touch her skin or do I have a perverted mind????

The Young Lovers' Guide replies:

Really, it depends on how far you and the girl want to go. Touching outside the clothes can feel good for both of you. If you touch her skin and genitals directly, that's getting more intense - and you both need to be happy with this.

If you're not sure what to do with a girlfriend, it can be a good thing just to ask what she likes. There's no need to feel embarrassed about asking a girl what she would like you to do - or asking if you can touch inside her clothes. After all, later in life when you have more experience, you'll still find that every woman is different and likes different things.