Would it hurt me to get my belly button pierced?

Im turning 15 in 3 weeka and i have an athletic build with some chub on my tummy. I definately dont look 14. im 5"11 right now almost 6"0. So ive heard many things and i just wanna get some answers. Scale of 1-10? can i swim the day after?? or day of? How do i clean it? How much is it? Can i buy my own jewlery? Does it matter what kind?? I NEED ANSWERS:)