Do you mean to have a baby of your own? Yes it is difficult. Baby's are expensive, just the hospital bill alone for giving birth is a couple of thousand dollars and that is if there are no complications. Diapers, formula, clothes, toys, doctors appointments, day care... all of these things cost a lot of money. Baby's also tend to cry all night, keeping the parents awake so it is hard to go to work, school etc. Then you have the people who would judge you for being such young parents. Being a parent is one of the hardest jobs there is and it lasts 18+ years. Tell your girlfriend you love her but that you are not ready to be a parent, that you want to be able to provide your baby with everything he or she needs, a safe home, clothes, toys and love and that in order to do that you need to finish school so you can get a good job. Hopefully this will show her you are a responsible and thoughtful young man.
13 is really young to have a baby. Please wait until you are older and married. It's not something you should do with anyone unless you plan on being together forever. You shouldn't even be having sex yet. Please give yourself time to be a kid. :)
when you and your girlfriend have a place of your own pay your own bills finnished getting an education have careers then you can start thinking of having. kids, right now you are kids yourself enjoy. being one while you still can
It's not easy where ever you live, at 13 she is still a child herself, she should be concentrating on her schooling and becoming a responsible adult, having a child at 13 would be extremely irresponsible! You need to discourage her from even thinking about getting pregnant, it's such a massive life changing experience which I am sure no 13 year old is ready or able to handle! Maybe she keeps bringing up the subject of having a baby with you because she thinks that will bind you together for life, well it will (money wise) for the child's first 18 years but if your relationship is not based on love, hope, faith, trust and compatability now then please don't bring a new innocent child into the world with no hope of having two loving parents who will love, cherish and support the child for as long as it takes! You are both so young yet, enjoy your teenage years because there is plenty of time in your futures to be discussing future children.