Stressed.

Ladies, 
I have a serious question to ask, a question that is making me completely worried and stressed out that I need to know and find out a answer too.... 
I've missed my period by like over a month or so, lately I've been having light spots and pregnancy is not the answer. When me and my fiancé have sex I bleed as if I was on my period.. there's no blood in my pee (only when I tend to wipe)... I don't have sex anymore with him due to embarrassment of bleeding on him. 
We've been trying to plan for a family since late October early November of 2015, still no luck. I don't use birth control, we don't us condoms, we're clean and healthy. 
I don't know how else to explain it, it's just too stressful. 
😔💔