Help me not get pregnant

Hello all,
I'm in need of advice. I lost my virginity to my now sort of boyfriend lol... Life is very complicated. We are both going through some things both emotional and financially but I love him. Anyway since we have been sexually active, we haven't been the safest... At all. Neither of us can afford another baby in our lives (he has a 2 year old). My point is when I get super homesick I have the urge to get pregnant and have a baby. So sometimes when he says he's about to cum, I want to just sit there and let it happen. I just need a few level heads to tell me I'm crazy. Maybe then I can get it together in my head. Honestly the main thing that keeps me from doing it is the fact that we aren't married. I personally, want a ring before I pop out babies. Not to demean anyone else or the way they live their life. It's just personal preference.