Let me start off by saying that I am an adult, married, and well-educated. I know that the advice given here isn't a substitute for seeing a doctor, but I have reasons why I can't take that step quite yet.

Here is the situation:

Have been married 12 years with one child already.

I am ambivalent about a second child for financial reasons. My husband is eager for a second.

Had unprotected sex on 2/12 (when my period was due on 2/14). I know, I know. Careless right? But I can't use the pill/patch/any form with hormones and am allergic to latex. Plus, my husband takes a medication which makes him incredibly slow to come and we usually do it bareback for an hour before he even gets close to orgasm. Then, we finish orally.

Anyway, things were a little hotter than usual and my husband came inside me. I immediately sat up. Let the semen run out. But I wasn't really worried because my period was due in two days.

Except I haven't gotten it.

Instead I've had mild cramping without any spotting and been very tired.

I've taken two hpt and both were negative.

With my previous pregnancy, I did not have a positive test until I was six weeks pregnant because I didn't produce enough pregnancy hormone.

I have also been sick for nearly two months with a flu like illness for which I took antibiotics and other medications. My system sometimes gets thrown off by illness, but usually it makes me early, not late.

I have only ever been late when I was pregnant.

I tried to make a doctor's apt today, but the doctor who had openings won't take my crappy health insurance and I can't pay for it out of pocket without my husband finding out that I think I'm pregnant.

I don't want my husband to know until I am certain because I'm unsure how I feel. If I am pregnant, I definitely will have the baby. However, if I am not pregnant, I don't want to put myself back into the baby debate.

Has anyone been in a similar situation (period 3 days late, but negative home urine tests)

Didn't get my