Vaginal discharge is perfectly healthy. As long as it isn't lumpy, itchy, green or particularly smelly it's fine. Discharge flows outwards to gently flush the vagina and lubricate the walls. So there’s usually no need to clean the inside. However, if you're just using your finger and a little water and you're not having any itching, pain or burning, then you're probably not doing yourself any harm. Disturbing the natural balance within the vagina can actually upset the balance of natural microbes and cause infections; vaginal douches are particularly good at doing that so I’m glad you're not using one.