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Dudes,
My situation is that I have been going with this chick for 6 months and she is like falling in love with me, she is like planing things for the future and considering moving with me. I am not ready to settle down but I do not want to hurt her as she is really a lovely lady. What is the best approach, what to say to her, sms her, have a friend break up for me...any ideas welcome...

You don't want to hurt her, so you are willing to send a friend to break up.... owkay.... nice thinking...
Face it pall, there is no way you can break up without hurting her. But at least, do it as a man and you tell her in the face. The plain truth. You are not ready to settle down, ok, that is fair enough, so tell her. She will be upset, perhaps cry and then move on. She will not be traumatized for the rest of her life.