Pregnant?!?

So my boyfriend and I have never had sex. BUT he did finger me and he was touching himself and I touched him and fingered myself all very close in time, he has a lot of precum. Apparently precum can get you pregnant? Ever since that day (Saturday) I’ve had mild dull cramping in my right (if feels like my uterus), and it’s been getting more intense. I read that this could possibly be implantation cramps?!? I also read that spotting is common with implantation cramps and last night I had a little spotting... My period is due in 2 days. Possibly these are just intense symptoms of that? This was the first time I’ve ever been fingered and I’m a virgin so I’m just super paranoid (ha). We’re both so scared. We love each other a lot but we are not financially or emotionally ready for a baby right now... help? Thanks.