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I don't know why sex seems like a game to all of the kids now a days. Sex is a serious thing and shouldn't be used just to pass the time. It's a big responsibility to have sex with someone. Yes pregnancy is a thing to think about. Lets put it like this. Lets say you do get pregnant and everything with your family falls apart. You have no friends that can relate to you because now your a mommy. No longer a kid that can go to her senior prom/ go out on a date with her boyfriend. Go just hang at the mall. Or anything like that. By having sex yes it can lead to pregnancy and yes that will lead to having a hole lot more responsibility So just make sure you think about what you are willing to put yourself through. Having sex i would honestly say NO your a child and you should go outside and enjoy life. You need not to grow up so fast. Because by the time you realize that having sex wasn't a good thing to do at the age of 13 you still have the consequences of what may come out of the hole situation. When you think that sex is what you want to do make sure that that's what you want and you will deal with whatever comes out of it. Like a baby. I was 28 when i had my first baby and I was ready to have a family of my own but it's hard work to raise a family and have a full time job to put food on the table formula in the baby diapers on the baby and things that babies need. Every appointment just to make sure they are growing properly.
I don't think you should have sex just yet only because of the situations that you can prevent from happening. But unfortunaly like anyone we can't tell you what to do or anything like that just be safe doing it. Condoms aren't 100% effective. So even if you do use that as a form of birth control you still have that chance of the condom braking. Good luck with this situation.