Am I a ***** for feeling this way?

I am a 21 years old - a smart woman with a really bright future and I normally make good decisions regarding men and relationships due to my past (I used to make some pretty stupid mistakes - I have had with 3 different men but they weren't one night stands, they were relationships). My current boyfriend is 24, and a wonderful man. We have been together only 2 months but have told each other we love one another but we haven't had yet. Yes, I have a promiscuous past, but now I look at and see it as something very important. I don't want to do it too soon, and my boyfriend is willing to wait as long as I need to wait. However, I am starting to feel major urges to do it every time I'm around him. In the past, has ruined my relationships because I've done it too soon. Is 2 months too soon? I want to make the right decision, can anyone offer me some insight? Thanks!