sounds like the question of saying 'I love you' may be a bit of a red herring. You're worrying about sex and about money and about whether it's all with the right guy. Those are deeper problems than what you say to him. You really need first to sort out how you feel about him (sounds like you don't want him and aren't quite up to admitting it yet), and then to sit down and discuss it with him. There isn't any easy way to break up, but doing it with honesty is better than the alternative.