I started getting pubic hair and underarm hair really young, it was about 9 years of age, but AF didn't start till the month after my 13th birthday.

I was horribly embarrassed about the hair. Mum taught me to shave my underarms and I was mortally afraid of my sister blabbing at school. However I do remember by Year 6 a lot of other girls were starting to shave their underarms (I was so relieved I was no longer the only one), which would have been age 11.