Do just what you said, say no. You aren't obligated to have sex, and shouldn't feel forced to. Explain that you're not comfortable with it yet, your personal or religious feelings on the matter, and he should respect that. It doesn't have to be a big ordeal, and saying no is not offensive. Any decent guy will respect your decision to wait, just as any decent girl would respect a guy's decision to wait.
I admire Your decision to wait. "Having Sex" sounds so casual to me. I prefer "love making" and "making love" with the man I'm married to or at least I know we're going to marry......and it takes more than four months to grow and build love (anyone can "have sex" - "making love" is a different thing indeed!! One doesn't "fall" in love - we "build" love)
This site complies with the HONcode standard for trustworthy health information.
The Content on this Site is presented in a summary fashion, and is intended to be used for educational and entertainment purposes only. It is not intended to be and should not be interpreted as medical advice or a diagnosis of any health or fitness problem, condition or disease; or a recommendation for a specific test, doctor, care provider, procedure, treatment plan, product, or course of action. Med Help International, Inc. is not a medical or healthcare provider and your use of this Site does not create a doctor / patient relationship. We disclaim all responsibility for the professional qualifications and licensing of, and services provided by, any physician or other health providers posting on or otherwise referred to on this Site and/or any Third Party Site. Never disregard the medical advice of your physician or health professional, or delay in seeking such advice, because of something you read on this Site. We offer this Site AS IS and without any warranties. By using this Site you agree to the following Terms and Conditions. If you think you may have a medical emergency, call your physician or 911 immediately.