first question to you: why do you want to have sex and are you completely ready for it? You willing to accept the problems associated with it? You feel personaly and mentaly developed to have sex and not having any negative sideaffects in your relationship with yourself and your relationship with her?
Will you remember to love her for who she is in her heart and not her naked body? Will you love her? Will you not use her just for sex? Will you not use her?
Once those are answered...answer these
Are you willing to take a chance that condoms can break and pills can fail? Are you willing to take a chance that one slip and you could be facing with fathership at 14? Are you willing to risk love and tempt lust?
The thing is, you SHOULD NOT be having sex at 14. Unless you two agree on it. I sapose if you two are making out one day you can ask quietly in the moment of things "Do you want this to go farther?"
"Love is patient, love is kind. It does not envy, it does not boast, it is not proud.
It is not rude, it is not self-seeking, it is not easily angered, it keeps no record of wrongs.
Love does not delight in evil but rejoices with the truth.
It always protects, always trusts, always hopes, always perseveres.
Love never fails. "
-1 Corinthians 13:4-8