Spotting? Pregnant? Opinions needed!

Okay so I've been on the same bc pill for about a year now. I almost always take my pill on time, I missed a day last week and had to double up one day. Lately I've had a bit of baby fever and so has my husband, but we don't believe we're financially ready for a baby yet. However, today I am lightly spotting, (I haven't spotted since I started this pill) and I don't start my period for a week at least. We both gained weight after the honeymoon and have been eating healthy again, I always have to work harder to get rid of belly fat but this time feels different... We're getting a test tonight but does anyone think I could be overreacting to this? Is my baby fever making me baby crazy? Lol.