so start focusing on other areas. ;D toys are actually not that expensive! general stores like target have finger vibrators that are around 5 dollars.
And little sex shops will sell vibrators that are around 30 dollars or so.
if you dont want to buy anything you could use homemade sex toys, like anything penis shaped, but i personally wouldnt really go for that! (but if you do make sure you sanitize it well!)
or you could download a vibration app for your phone, i’ve done that ;D
do you watch porn? maybe you can find something you like so your imagination can take a bigger play in touching yourself. thats what usually gets me off.
you could try masturbating in different places, or in different positions, like masturbating in your shower, or lying down on the bed and throwin your legs behind your head!
haha. or you could try doing things that turn you on;

one of mine is taking kinky pictures so sometimes ill start getting undressed in front of my webcam and i’ll end up fingering myself djksdkfjsdfkjsdf

:x
hope this helps!