Hmm....guys i think there's somebody who's really suffering from
emotional stress and torture.
Hey peacely,
To answer your first qns. Does sex always comes with love?
I say yes, when a couple engage in intercourse. It is a form,
expression beyond word. Knitting two souls, two body to one.
Unexplainable and idealistic thought.
I would still it's a yes, Love and pleasure should be the theme in
having sex.
Unfortunately, when man(human) takes things for granted...it'll
become Lust and pleasure.
This brings me to the next point.
If you think the both of you have loved one another
to a point when intercourse - the forbidden fruit should should
engaged.
Just remember that Pre-marital sex has a cost. Are you ready?
I should guess you are still young, fun is ok but too much fun is
threading on line ice. 
Since it's a metal torture to you to wait for your period.
I think you are really not ready to take up the responsibility
should anything happen. And you boy don't know what is he playing
with.
You have expressed that the both of you have talked about it. Very
good. However the practical part wasn't that successful.
My friend, i had that experience before...it was so tempting to a
point when i got to tell my ex that i should go home. Otherwise,
somethings would happen again. There were times when the both of us
where extremely hurt over the things we did. It's a learning
process, just don't let it ruin you.
The more you want to set boundaries the more you'll cross it.
Sometimes it's so human for us to do so. That's why i call it the
forbidden fruit.
Practice discipline and on top of that. The both of your mindset,
needs to be changed....it's not only sex or staying in one
another's house. Even though you guys have not much money. It
doesn't mean you can't go to beach, kite-flying, strolling along
the pavement. or have dinner together in hawker centre. Friend,
it's not how much, it's now where you go, not even what you're
doing....but ultimately it's WHO YOU'RE WITH 
(trust me, i've learnt this the hard way)
You also said that you didn't confide in your circle of friend.
Which qualifies him to be your one and only confidant.
Too bad you're a girl. Otherwise i am willing to talk to you.
Anyway, you really should open your heart to someone you trust and
know that she'll not reprimand you but support you. (sorry for the
YOUs used in these para)
I hope you could be a responsible daughter and gf also.
Cause i can tell you that if you're hurt, he'll be hurt also.
On top of that, he might feel guilty hence crippling his senses to
comfort and care for you during the time when you need his
understanding and love most.
Remedy could be easy yet difficult.
That's to prevent sexual contact. Learning to value and respect one
another thru abstainance.
You don't have to brake off to escape this kinda of torture.
Realise that in r/s, things and obstacles comes. Whether can the
both of your hands clasp together and brave thru the strom is a
question mark the two of you can answer.
I wish you well. 
