Spotting? (TMI)

Leighandra Paige
I've been spotting for 8 days. All of it has been brown/pink and it's only been there when I wipe, except for one day when there was a super small amount on my panties. I'm irregular, to put it lightly (my last two cycles were 111 and 124 days, currently on CD 73).  I never spot before AF, it always starts heavy and stays heavy until day 4-6. I've been having slight cramps here and there, but nothing that clues me in that AF is coming.
I haven't been diagnosed with pcos (they haven't done any tests), but I'm almost positive that I have it.. Excessive hair growth, trouble losing weight, irregular period, insulin resistance (my PCP checked because I'd been having slightly elevated blood sugars), etc. I haven't been tracking anything this cycle.. No temping, no opks, etc. 
I took a pregnancy test this morning just in case, and forgot to read it within the time frame.. Not believing the faint line I saw because of that, and it kind of looked like a shadow. 
I'm clueless and don't have insurance until December 1st. (Fiancé just switched jobs) 
Any advice or any idea what this might be?