I'm at the end of my fertility window & spotting

Angela
My fiancé & I are TTC, we just started a few months ago.  I have recently (2 months now) stopped taking the pill. I am on the last day of my fertile week, & am cramping really bad. Plus not to mention I am spotting pretty heavy as well. I'm hoping it's just my hormones going crazy and that's it. I have never had a miscarriage before so I have no idea what that entails. I don't know what's going on. Any ideas??