How effective are condoms?

I'm a virgin... ready to have sex with my boyfriend of a year and 7 months. I'm un able to be on birth control. I was just curious if wearing a condom and pulling out w/ one on also using spermicide works pretty well?.. I know there's no 100% way to prevent pregnancy while having sex... I'm just curious if we used a condom and pulled out w/ it on and using spremicide be pretty good at preventing pregnancy ? Trying to take extra precautions. If not any other suggestions ? :/ help!?