If you're worried about getting pregnant then start using birth control. Use condoms until you get your IUD (it's effective as soon as it's in place, so you don't have to use a back up method of BC, like you do when you start the Pill). If he refuses to wear condoms, then don't have sex until you are protected. It's that easy. It's that simple. If you aren't ready for kids, then start taking your sexual health into your own hands and take preventative measures. Until you two are able to have a serious, real conversation about having children, you need to take initiative to be more responsible with your sexual habits.
"Caring is not an advantage."