10 Reasons to Say No to Having Sex

8. How will I feel in terms of my personal values and religious beliefs?

Society has placed such a taboo on pre-marital sex, that guilty feelings almost always develop - more so for girls than guys. "Culturally, it's often viewed as okay for a guy to have sex, he gets a pat on the back, a girl gets called names," says Dr. Bruggeman.

It's important to ask yourself these question: Do you have any religious or ethical feelings that may be hard to deal with afterward? Will there be an added level of dishonesty and deceitfulness in your life as a result of your decision?

"I felt bad all the time. I was afraid my parents would find out. I knew deep down I wasn't doing what was right according to my religion." - Lisa