kcsgirl... what "job" do you have at 13? Babysitting? babysitting puts gas in your tank it does not support a child. Having a baby isnt just having a baby. It is becoming a parent. A mother, joining with your SO in becoming a family. "Planning a child" should be just that, planning to expand your family when the time is right.
Trust me hun, without sounding rude. I was "in love, head over heels, couldnt imagine being with anyone else, butterflies in my stomach, doodling his name, playing house, holding hands, in love with my freshman boyfriend" too when I was your age.. I will admit its a GREAT learning experience. Heart ache and Heart break but its something you will need to experience.
You may or may not believe this.. but ALOT will change betwen 13 and 16 between 16 and 18, 18 and 20, 20 and 25, and so on and so forth. You will change your body, your mind, your opinions, your feelings... please believe that.