husband trying to get me pregnant?

My husband tells me he isn't ready for another kid yet because of our financial situation. We only make about $700 a month. I'm not on birth control and we don't use condoms. I want a baby now but I know that we shouldn't. However he comes in me every time we do it. I've talked to him about it and he says he will stop yet he keeps doing it. I don't know what to do. I'm just scared I'll get pregnant and he will get upset. How should I go about this?  
Update ** I'm not going to be mean towards him I'm a very passive person and don't want to be rude unless I have to be. I'm asking how I should bring it up to him and what exactly to say to him to make sure he doesn't do it again. 

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