How can I make losing my virginity special?

Caroline
I'm 22, so I'm not some high school teenager sneaking around after curfew. I've been with my boyfriend for a year and a half, and I think I'm ready to have sex with him.
How can I make it a special occasion without turning it into a huge ordeal or spending a lot money? I've always expected to wait til my wedding night to lose it, so I don't want it to be just another night or some casual event. It doesn't have to be in a 5-star hotel in Jamaica, but I don't want it to be while we're sitting in pajamas eating pizza and watching Netflix either.
Any suggestions or personal anecdotes?  I live in an apartment with 3 other roommates, and so does he, so either of our places aren't high on my list because I don't want anyone to hear anything, but I'm not sure if we've got an affordable alternative.