I'm about to have sex for the first time

Reina
And I'm not on any BC at the moment. I'm only about to get my health insurance this month because I just started working so going to a doctor for the pill isn't gonna work for me right now. What I have in mind though is to use a vaginal contraceptive film that has a spermicide and a morning after pill just in case + he uses a condom anyways. 
Now I only have more than a month before I get laid and I don't want my BC to fail. I read that some ladies are allergic to the active ingredient in spermicides. Should I buy one right now and check to see if I am? Instead of waiting until I'm about to get dicked down only to find out that I'm allergic to the film?
Any inputs would be greatly appreciated 💕