opinions??

Okay I need opinions. This will probably be long, bare with me. I started bleeding July 3rd (what I thought was my period) completely stopped by the next day, bled a little the next the spotted the next two days and that was it. okay I had sex June 20th, 28th & 29th. I took two tests two weeks ago, both negative. then another yesterday & it was negative. I'm not suppose to start my next period until next Monday. I have all symptoms of pregnancy. could it just be too early? two of My friends say they found out they were pregnant the day after conception (not sure I believe that) so that worries me that this is in my head. anyways, does it sound like I could be pregnant still? I don't have insurance so I don't want to go to the hospital. tomorrow will be the 5th day until my period which is what the tests say say they're best for. advice. opinions. Please please and thank you.