Any tips?

So me and my bf have sex a lot and I’m trying not to have sex that much because I’m not on the pill and we do use protection but it’s not a for sure way of knowing your safe, you know?And it’s so hard to not have sex with him, I know I should be on the pill but I don’t think the health insurance that I have covers it and me and my mom made a bet to see if I can wait to have sex until I’m 18 and if I do then she’ll pay me 500$ and I want to win the bet so me and my bf can have some money saved to take his mom to Disneyland because she loves Disney. Plus I’m afraid of what my mom might do to me if she found out about me and him having sex because she’s extremely unpredictable. I’m turning 17 in May which means I don’t have that long until I “win” the bet with my mom, so what should I do?

Any tips on how to keep a clear mind when I’m with my bf?