Okay So, my boyfriend ejaculated on himself and wiped it off with his hands. Then maybe an hour or two later fingered me. (btw, I've never had sex)

Anyway, I'm worried this could result in pregnancy.. so I'm planning on getting 'the morning after' pill. However, my body feels like its about to start my period. Should I not spend the money on the pill then and just wait it out? What are my chances of getting pregnant?

Well obviously your chances of getting pregnant are slim but not impossible. But I recommend that you should just wait it out.

A good rule of thumb would be that once dry, the sperm will die. They are not very hardy when not in the right conditions.