First off....are you ready? Do you want to have sex w/ her? If so....then you need to be honest with her. Or at least let her know your not very experienced in that area. I don't think its a bad thing to be honest....becuz.....is your thinking of going that far with her.....then she should be willing to listen to you and take what you have to say seriously.

If you aren't ready...and feel only the pressures from her to have sex.....then don't do it. Chances are you will regret it.

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Appreciate the good times and learn from the bad times....