From the site http://www.wikihow.com/Tell-if-You-Have-Started-Puberty-(for-Girls)
Monitor your genital development.
As you grow you will notice that your opening between your labia will gradually face in a more downward direction. Pubic hair generally starts to appear after your breasts begin developing, but may appear first in some girls. The first pubic hairs to appear are usually right along the edge of the labia. The hair then spreads over the labia and lower mons pubis before covering the whole area. About the same time that pubic hair develops, your inner labia (minora) grow. Use of a hand held mirror will help you in viewing this hard to see area.
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