feeling ready for my first time but CRAZY nervous....

Y'all....

So there's a guy I've been seeing and we be both want to have sex together. I know I'm ready and have done plenty of...things together already and want to take it all the way.

The problem is i feel EXTREMELY nervous. I understand condoms, reslistically speaking, are about 87% effective. If anything goes wrong, i could take plan b, though I'd prefer not having to with all the hormones. I also know I'm not ovulating anymore and will have my period in less than 2 weeks. As you can tell, I'm VERY afraid to get pregnant.

I feel...wrong, partially since i grew up in a conservative, religious home.

And though I'm 29, i don't have a car right now. I can go places when necessary but since i live with my folks (cultural thing, i don't have any issues living with them) i feel...weird. If they found out i was going to sleep with someone, they'd freak out and go off on me.

How can i shake all of these nerves off?