Don't know what's going on, please help!

I'm experiencing some symptoms that have me raising an eyebrow. A little background; my fiance and I have a healthy sexlife, and I don't really keep track because we are pretty close to every day. I had a period, which was one day late and then the last day was very light from June 16-20 and I'm normally a solid 5-6 days, every 28 days. We have never been really concerned with pregnancy as we've had unprotected sex for 3 years with no scares and no signs, so we kinda figured it may not be possible.

The symptoms: breast tenderness and VERY noticeable swelling since June 6th, its been nonstop, my nipples are very tender and today I began experiencing a clear milky discharge for the first time ever from my nipples , I have pretty severe fatigue, I actually fell asleep in my office (whoops!), I have had on and off indigestion for awhile now and honestly think it began before all this started. My gums bled for 3 days last week and this has never happened before, my feet swelled then that went away after 2 days, I have horrible insomnia, Im eating like a bear preparing for hybernation and now pretty vivid dreams when I do get some sleep. I went to the dr Tuesday for a breast exam, thinking something may be wrong, but she explained nothing is out of the ordinary and that I should take a pregnancy test every week since I'm sexually active.... so, I took a test this morning and negative! I'm not sure if I should be concerned about something being wrong or if I'm testing too early? Has anyone experienced this sort of tenderness this long and still get a negative? Kinda starting to worry! Any help is appreciated :)