Why am I so scared?!?

I'm currently 14 and am definetley sure I'm not ready for sex and have decided to wait till marriage!:) But I think the reason why I decided to wait is cause I'm terrified of how much it'll hurt and ill b constantly worried bout getting prego...but I'm scared cause I dnt wanna be scared to hav sex all my life jus cause I'm scared of the pain!:(( Any advice?! And did it hurt bad for u???(You don't hav to answer this one if u feel uncomfortable answerin it)...