Pregnant/over reacting?

So I’m 4 days late for my period now. Usually 1 day late at most. I had unprotected sex during my ovulation week this month so 2 1/2 weeks ago)

I took a test with FMU at 14dpo and it was negative. I’m resisting the urge to get more tests and waste money if I’m just over reacting.

I’ve had a couple life changes this week as well (not necessarily good ones however even the bad has resulted in me feeling relaxed) so I don’t think I’m especially stressed 🤷‍♀️