thinking about having my first time

I'm 16 and I'm thinking about having sex with my bf (I'm virgin and he's too). He had given me oral several times. I haven't done anything to him. He turned me on, always. Also, he had fingering me. And I don't know. I feel like I'm ready, but I don't think he is. I have questions, it's better the pills or condoms? Or I should use both? The pills I need to star using before I begin or it doesn't matter? . And I'm a little bit scared of my moms reaction if she finds out that (if we have sex). Once she said that if I lose my virginity she would be so disappointment, and nobody will see my value because I'll worth anything.