seriously need help

[taurus]

hi guys and girls ,been reading a few threads and saw one that said whens the best time to tell her how you feel ,answer wait to long and shes gone and found someone else ,not wait long enough and scare her of ,use you instincs .problem is my instinks stink .so i will tell a little bit of whats going on if you could help .
i met a girl ,we went out and i stayed at hers in seperate rooms ,went home back to hers at night time she asked if i would stay , so i did stayed over ,started to go to sleep in seperate room ,she walks in and asks if i would like to sleep with her ,so i did no sex involved as much as i wanted to i respected her wishes.
she left for fiji for a week but phoned every night and we talked for ages ,she even said she thought about me and my @#$% ,i didnt know how to reply to that one ,we have hug and kissed a lot .she said her life is very complicated at the moment ,is it normal for friends to kiss on lips and with open mouths ,and to buy expensive presents on their birthdays ,and to sleep in same bed ,she is the one my heart can tell this so can my stomach ,how do i tell her without her freaking out to much ,im not scared of commitment ,she also asked if my mum would like her ,and that we should go to a resort sometime ,and if i would beat up her ex who is stalking her at the moment lol.
so would really like some ideas of when and how or if i might of missed the boat ,thanks