I'm a little scared!! Help??

So I was supposed to start my period on the 13th I haven't gotten it tho. But today I have gotten light cramps like tonight tho not during the day. What should I do? My boyfriend and I don't have sex much we had sex a couple days before my period was suppose to start though. Please help me I'm scared. I'm not financially ready to have a baby. But I do know if I do my bf will be here for me.