Late and stressing...

I’m late, 5 days to be exact. Last time I had sex was almost a month ago. used a condom and he pulled out.. I’m stressing over this and don’t know what to do. Started spotting today and I’m getting nervous. I’ve read that I could be late cause of exercise, diet and stress levels which I have been doing/having for a while now. I’m to scared to do a test 😭..