URGENT!! PLEASE HELP A GIRL OUT

Okay, so, my fuck buddy and I were having sex like an hour ago. He was wearing a condom. He finished inside me with the condom on. I noticed that when he pulled out that there was what looked like cum. I automatically went into freak out mode. There wasn’t any on me, or in me. There wasn’t a hole in the condom as we checked it. I irregularly take the pill because I honestly suck because I forget it, and I regret it now, but I wasn’t getting action so I gave up a little and became lazy. I genuinely have no clue what to do. I obviously need to get the morning after pill, but I’m supposed to be getting my period either tomorrow or over the weekend. Do I give it 2 days and take the 72 hour pill or what? I don’t want to spend like $20 on the pill, I will because I definitely don’t want a kid now, but like, if I’m supposed to get my period I can not spend that money. Help please because I CRY!