It's a tough decision to make. It sounds like you want to keep the baby. Things to consider include, if you choose to terminate, can your relationship survive that or would the grief/ regret be too much? Some relationships can survive especially if it's a mutual decision. Others don't.
Alternatively, can your relationship survive you having the baby? Whilst babies can be cheap, they're hard work and that stress can be too much for shaky relationship especially if one person didnt want to have a child yet. Can you do it alone? What kind of support can you get from your Mum and her bf? Will your df want access? Are you prepared for chasing child support for the next 16-18 years? Remember, if you have a child together you have a permanent connection even if you end up despising each other.
How will you as a single mum or you as a couple deal with things if something goes wrong and say you lose the baby or the child gets sick or has special needs? Can you handle a pregnancy yet? Some women have easy pregnancies, others end up on bed rest or with serious health issues.
All these things can and do happen. I suggest talking to a counsellor or having a more in depth talk with your Mum about how you can handle the nitty gritty. Sorry if this seems harsh but I think it's important to understand as much as you can before making such an important decision.
easy peasy, when i was pg DH didn't even had a job and I was only part time. We also have no parental help. Anyway we manage fine. People have this illusion that babies cost heaps. Only if you want them to! Sales and second hand goods make it so easy. Good luck!
Miss M, darlin' it works out.
i fell with my first at 19. - Dh and I had been engaged about a month and a bit. yep it was a shock. but we've now got two bubba boys (my eldest is 2) and we're manageing. is it easy? nope. is it worth it? beyond words. no amount of money would make me change the place we are at now. yes $$ is tight. but we manage.
as for nice things. they come later. DH and I have been given hand me downs, stuff from PIL's friends and our friends. its part of having kids i guess the whole pass it on idea comes into play. at the end of the day its you and your DF's baby. your MIL can take her nose right out of it. yes its under her roof. but if need be you can change that.
I wish you the best of luck and a happy and healthy nine months. if you need to chat to some one you can (i think??) PM me take care.
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It will work out for the best whatever happens and whatever you choose. 
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