I'm freaking out a little

ok so M and I did the deed again on thursday night, and I'm pretty sure I ovulated wednesday night, and we dtd that night too so this is our third cycle trying so our odds are pretty good
Today I came home to find the propane bill, we have budget pay for our propane so we pay monthly and I freaked out when I saw what our new monthly payment will be
last year it was $110 a month, this year $185 a month!!!!!!!!!!!!!! I am freaking out, that is a huge hit to the budget
I did out exactly what our bills are and added in the cost of medical bills for a new baby and diapers/formula each month and if we are pregnant when we have to pay to take care of this baby we will have NO money and no room for error, the total of our bills and the total of our incomes even eachother out, so NOTHING can happen or go wrong
I am freaked out pretty bad right now
I know everyone says the money will work itself out, well no it wont, look at it in black and white figures and I cant pull money out of my ass, there is no magic money tree
if we are pregnant what the hell are we going to do!
On a side note I dont think we got pregnant anyway, I know it is impossible to know since the egg wouldnt have even implanted yet but I'm saying from a gut feeling I dont think it happened, then if thats the case I think I would have to again tell M that we cant try anymore.....................................