At 20 yrs old you shouldn't be having bleeding with simply being touched, you should be having bleeding every time you try to have intercourse. If you've been actively trying to get pregnant for over a year and you're 20 yrs old, then you need to see a fertility specialist.
It really sounds like something is going on already when you have irregular periods. You won't be able to ttc until you know more about your own fertility and your own body. Putting aside how young you are, and how desperate you seem to be to have a baby with a man you're not even married to, you need to find out what's going on with your body first. Put aside "having to be pregnant" right now and worry about what's kept you from getting pregnant and is causing an irregular period & trouble conceiving.
J.M.O