How can I get over my fears and insecurities?

Okay, if this turns out long, sorry. but if not, then good! I’ve been talking to this guy for a month and a half. I met him online. I thought that when we first started talking like within those 3 days he’d stop talking to me or want something that I’m not going to give, but that didn’t happen. We have everything in common. We like the same things and act similar. Thing is, I’ve never talked to him on the phone. We both want to. But for me, I’m so insecure, that I can’t bring myself to do it. I think that this is too good to be true, that he’ll get tired of me and stop talking to me, and all that stuff. Found out today that he wants to meet me. I want to meet him too, but I fear that he’ll see me and think I’m ugly or too fat or something like that and stop talking to me. I don’t know… what should I do? Any advice. I’ve never been in a relationship before either (well sorta, but I don’t count it, cause it was a waste of time…looong story lol), so I wouldn’t know what to do if I talked to him or even meet him. Help?