The chances of pregnancy are lower than if he had ejaculated in you, but it's still possible. If you really can't afford to be pregnant, the morning after pill might be a good idea, although it does have its risks/side effects. It's best when taken within 72 hours, but it's somewhat effective up to 120 hours.
For the record, precum isn't an event like ejaculation (cumming). Precum refers to the clear slippery fluid that comes out of his penis when he's aroused, and is meant to help lubricate things. It can have sperm in it that were left in the urethra after his last ejaculation, but the body does not purposefully send out sperm in the precum. His urinating beforehand may have reduced your risk of pregnancy by flushing out sperm in the urethra, but it's not a definite by any means.
And use condoms. And seriously consider getting tested for STDs, because you never know, and if this one's negative, you will have a baseline of being healthy so that if you ever do catch something, you'll have a better idea of when.
Yes, you had unprotected sex so you could be pregnant. Even though he did'nt ejaculate pre semen can get you pregnant.
If it was last night you do have time to take the pill. It's best to take it as soon as possible.
I would highly recommend always using a condom and not taking any kind of chance with an unplanned pregnancy or an STD. You should be able to get them for free at your local clinic.