Stress or pregnant?

Okay so here's the thing I had sex during my fertile window and my boyfriend swears on his life he was more clean than he ever has been. However that was also the first time I had sex in months. I've been cramping off and on for the past week and having pains in my right side and have been bloated almost everyday. My first thought was "crap! I'm pregnant!" But Yesterday I noticed a blood spot on my underwear 4 days before my expected period. I thought it was an early period untill and hour later I stopped bleeding. And I haven't bled since then. I realize that could be implantation bleeding but here's another thing. This week has been THE MOST stressful week of my life I've been stressing every single day about stuff that is going on in my life . Could this be because I'm am stressed I am experiencing spotting? I really do not see how I could be pregnant. At all.