If u have a 28 day cycle you ovulate on day 14( start counting on the day that you start your period)...You can get pregnant the day before, day of and day after (to the best of my knowlege

if your cycle is not 28 days or irregular it is really hard to tell.. Some women ovulate on different days even though their cycle is regular... And I do say use condoms, not just because of pregnancy but because of std's - there are some out there that women do not even realize they may have and can pass it to every partner they have.... So just be careful! As far as not telling your mom - there are other birth control methods out there... There are shots, patches, rings and everything else u can imagine. Go to your local health department - it is totally confidential and your mom will not find out.