Suggession please.

I am 31 years old divorcee. I have passed 6 rigorous years
with my husband and finally separated four years ago. I
stayed with my brother but after mother’s death, I could
not continue due to ill treatment me & my daughter was
getting by sister in law. Lastly I got transferred to the
new place.
I admitted my daughter in boarding school and living as
P.G. with one old aged couple. During these days I came in
contact with one of the Jr. officer in our bank. He is also
a divorcee and younger to me by 3years. Being a state level
sportsman, he got the job in the bank and got married to his
college days girl friend, a daughter of a rich businessman.
But she could not resist more and went back to her parents
leaving him. Since both of us are in the same boat, we came
close through some sports & cultural activities in
the bank. Our closeness took us to the bed and we enjoyed
the sex many times. I do agree that I got the total satisfaction
for the first time in my life. We even go to the nearby hill
station on weekends and live there as a couple and enjoy
lot. Recently, he proposed me for marriage. So far it was
OK, but it comes for marriage, I am worried as I had very bad
experience in the past. I don’t have any friends who I can
consult, hence I am asking your friends. Will you please
guide me? I am afraid, if I say NO to him, he will go away from
me and for saying YES I need the courage.

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