help. please.

ok, so I'm 15 almost 16 and me and my bf have been together for almost half a year.... we have done some other things but I won't let him take my v card in fear that I'll get pregnant or something not to mention the backlash from my friends and family. he says were ready for sex but there are a lot of things holding me back mostly my mum.... I'm going to his house for the blue moon and he wants to do things then. so my question is how does someone know when they are ready for like actual sex.