Help!!

Okay so normally start my period on 13th or 20th the last 5 months that I started logging. We just started trying to have a baby this month. I tracked ovulation we did bd before ovulation and during. I have not had my period. Slight cramping but not period type cramps, nausea, breasts hubby said feel hard more full abs appear bigger. That’s how I knew I was pregnant with my daughter 7 years ago..... I haven’t started my period and don’t feel like I’m going to. I normally know days in advance with symptoms. All tests are negative.... I can’t afford to go to the dr because I have an hsa insurance plant with 5,000 deductible..... please someone give me advice. My husband has no children and this worries me since I’m 31 i know still young, but we want a baby so bad.