Opinions please!

Oct 1 I had a mc. today is day 35 of cycle with no signs of AF. In the past I've mc to see AF on time or a day or two late, not a whole week. I'm afraid to test due to my history of seeing that BFP only to mc a week or 2 later. Halloween night I experienced what I honestly believe to have been contractions (they brought me to my knees) it wasn't cramping it was weird horrid pain that I can only imagine to have been contractions. I don't know what to think but wait it all out. What would you guys do? I don't have insurance and don't particularly want to go to a walk in clinic.