How much stress is considered too much?

I lived in a stress free world until last night. I am 5 weeks and I have been spotting since I was suppose to start my last period. I just was informed my roommate is leaving, and I cant afford the rent on my own. My spotting is no longer just when I wipe, now its is my panties. Should I be concerned? I'm just not sure if a little stress like this could really cause any damage. I know its nothing compared to some people, but I had bad dreams about having a miscarrage all night. Please let me know what you think.