DEAR ABBY: I have been married for four months. My husband and I love each other very much. Although he has asked me multiple times for sex, we have only made love twice.

My problem is, sex doesn't interest me. In fact, the thought of it terrifies me. I hate saying no because I know it hurts him, but I'm always scared that I won't enjoy it. Or that if I do say yes, I'll feel like it's a chore just to make him happy. I know that's the wrong mindset to have going into it.

I have apologized almost every time I turn him down. He always says I don't need to be sorry and we'll only do it when I'm comfortable, but I'm scared I might not ever be comfortable with it. Plus I have doubts that I've ever had an orgasm. How should I approach this? -- SCARED NEWLYWED

DEAR SCARED: If you had experienced an orgasm, I assure you that you would not have forgotten the experience. You need to have at least two honest conversations -- the first with your husband, the second with your gynecologist. Your problem may be physical, emotional or a combination of the two.

A licensed psychologist can help you figure out the reason for your feelings and resolve them, or refer you and your husband to a sex therapist. The only thing you should not do is wait any longer to deal with this.