Cycle Day 42 -No Period- Negative test

My husband and I are not TTC but have used the withdrawal method this past cycle a few times... (Spare the lecture: we are responsible adults who understand the risks of using such methods) I am usually fairly regular and have about a 30-32 day cycle. I am now in day 42 and haven't gotten my period. I took a test at home on day 38 that was negative. When should I take another? Also I have been incredibly stressed lately but it's pretty normal for me in the last few years so I don't know that stress is the problem. Opinions?