It
is natural for you to enjoy hugging and kissing your boyfriend.
It is a part of growing up and exploring your sexuality.
It is also very safe. You
cannot
get pregnant or get any STD or HIV/AIDS from kissing and
touching. You are also right that it is better not to
have sex until you are older and feel ready. It is not
true that "you've got to go to the end".
I
suggest that you talk to your boyfriend and tell him how
you feel. Find out what he is feeling as well. The best
way to deal with your dilemma is to come to an agreement
with him that you'll only hug and kiss. If he is not happy
with this agreement, you may have to leave him.
Don't do anything you don't want to do.