Stressing over nothing?

[JessicaWhocares]

I've been extremely stressed lately with thinking that i'm pregnant. Never had sex, but I was concerned that when me and my bf were messin around he might have has semen on his fingers before fingering me. (this was oct 23) He reassured me that that never happened, so there is really no chance I'm pregnant. My periods are very irregular and are always early. I was supposed to start Oct 30, only judging by how my last 2 periods were. All that happened was some cramps - no blood. The next day I thought I started but just a little spotting. I was freaking out and thought it was implantation bleeding, so me and my bf went and got a pregnancy test on wednesday nov 3rd and it came out negative so that made me feel a little better. but i still wasnt getting my period so i was still kinda scared. i think it's all this stress that i'm under with this situation and my dad getting a divorce and im stuck in the middle of it. but yesterday i think i started my period, it wasnt like full on blood, it was like discharge but red. and today it happened too.
does anyone know what could be going on with me right now? assure me im not pregnant? should i retake the pregnancy test? :/