Body hair removal ideas (girls only)?

here's my dilemma (lol): i really want to wear a bikini when I swim but I have some hair on my stomach. it's a happy trail I think lol. it's not like SUPER noticeable but its kinda dark (I'm a brunette) and I think people would notice it. is there any nair/veet/whatever products that I can safely use on my stomach that are TOTALLY PAIN FREE that really work?? also I'm 13 years old, 116 lbs, 5 foot 4. is that fat?? thanks sooooo much:)