It can be really hard for me to say "I love you" sometimes. I only recently started saying it when my dad told me to always remember it when mad at someone. So now I say it to my mom a lot. Everytime I say bye. Same thing with my dad. Because no matter how mad I am at them, I'm always scared that something might happen to them. One time I forgot to say it at the end of a phone convo and it bothered me so much that by the end of the day, I had called my dad just to say it.
However, with my brother it's a bit harder. I say it only when I really really feel the need to. With friends, I rarely say it. I just feel weird. I've told my best friend a few times that I love her and that she's an amazing person, but only a few times. And never outloud.
As for with my ex-boyfriends, every time one of them said it, I never said anything back. I just avoided it somehow. Because honestly, I didn't really love any of them.
That's another thing, I will not say "I love you" if I don't mean it. One time a guy asked me why I didn't say anything back and I simply said: "Because I don't love you yet. I just really like you." I wonder what it actually feels like to be in love though. And I always wonder if I'll have the courage to say "I love you" when the time comes.