I have been with my BF for 1 year now and he wants 2 have what should i say?

Hi me and my BF have been together for 1 year now and he wants to have i have told him that i don't to yet but i do want 2 have but i am scared because i do not no what to do and what it is meant to fell like also i have things on my Body that i fell uncountable about like i have a few stretche marks on my only 3 or 4 and on my hips and i do not no what he will say 2 it dose any one now how it fells or what i should do plz tell me if you have answers love shannon xxxx