We've stopped having premarital sex, now what?
Would like advice from someone of Baptist belief:
I grew up with a non religious mother (who claims to be catholic but doesn't know much about the bible let alone try to follow it) and an absent atheist father. Any religious knowledge came from Sunday school when I would stay with my grandmother on the weekends while my mom worked. Once I became old enough to stay home alone, I was no longer dropped off at grandma's, which meant no more church. I also never got my license, and could never just go on my own. So, I was never properly guided on what a proper healthy relationship looked like.
All I knew is that I wasn't supposed to have premarital sex. And at 16, my first boyfriend of 2 years convinced me that that meant I can do anything but sex itself. So I did regrettable things that I now know were wrong and sinful. I met my fiancé when I was 19, he is also a christian yet he had sex with his ex- girlfriend and lived with her. He was in a relationship with her when he pursued me. He also lived with his atheist mother who was a stripper, so it's understandable that he was misguided as well. Prior to dating him I had a standard that I would only date a virgin to make it easier to remain one myself but it was getting harder to find that as I got older. Anyway, I lost my virginity when I was drinking with him (which I didn't really do until I met him) and was too out of it to realize what was going on. I was very angry and resentful towards him and still am for doing this but for some reason stayed with him. And for some reason I stopped caring about even trying to be a virgin. So we were having sex for 3 years.
Then we got married in a courtroom for financial aid benefits so we could both stay in college (to be able to pay for it and not have to drop out to work full time so we wouldn't be homeless) we were originally planning on waiting until we graduated to get married. I said I was only doing it for this reason and that it didn't count as a real marriage and we were still planning a proper wedding under God.
So, we're both 23 now, together for 4 years. In the course of our relationship we have lived together the entire time because of the situations we were in (not having anywhere to live or anyone to take us in while we were still in school- not making enough money to live on our own yet) we moved to many dreadful living environments full of family drunks, drugs, physical abuse, and at one point we lived in a tent with our dog, which was actually the nicest living environment we had.
So we did the courtroom marriage so we could afford this house we now rent. We have decided to no longer have sex, which we should have never done. I'm just feeling very guilty for the way things just happened. Is it even okay for me to be living with him now even if we're not having sex? I feel like having premarital sex will somehow doom our marriage. That following god's plan will provide you with the best life and that I've already ruined it and can't take it back. I also worry that having sex with him may have made me choose him for the wrong reasons. If we would have just courted like I wish we had, would I still want to marry him? (I think so, but I'll never know) I know God forgives but I still just feel horrible and resentful.
So here are my questions:
1. what should we do after premarital sex? (other than stop doing it)
2. Is it wrong that I live with him now?
3. What should we do to properly prepare for a spiritual marriage?
4. Under what circumstances would a pastor refuse to marry a couple, other than the fact that they must both be christian?
5. What are the guidelines for a religious baptist wedding? What makes a wedding non- secular?