Can I get pregnant without having sexual intercourse?

Hi doctor,

I am 17-years-old, taking birth control pills for about two years or so. I was not regularly taking the medicines for some time. However, I have been taking them very strictly these past two months. My partner and I are sexually active, but never actually had sexual intercourse. We engage in superficial sexual activities. What I am concerned about is I do not know how safe we are. I know I take precautions but I am worried that if precum got on any of our hands, I could be pregnant. I know for sure he has never fingered me with a glop of semen on his hand. But there is the possibility of him having some pre-ejaculation on his hands. My last period was about two months ago, in the initial days of the month. I bled light to medium for the next five days but I had no cramps which was quite unusual for me as I have always had cramping, even on the pill. I have extreme breast and nipple sensitivity and my nipples have enlarged for at least the past three days. I also have a thick, creamy white discharge. What is that? The internet says that it is an early sign of pregnancy. I am so nervous. Also, I am going to the doctor in a couple of days. Is it too early to get a pregnancy test?

I am super worried but have about a week and a few days until my period. and I cannot afford a test now.