Is it stress?

Guys, A LOT has been going on. I'm so stressed to the point I went back to self harming and pretty much cry everyday. My mother's health is low, we have hardly any money, I put on a mask everytime I go into my job that I dislike and I won't go into more details. Also, my period is late by 3 days now. My boyfriend and I had unprotected sex (I know...) not in my fertile window and he did not finish in me. I have no symptoms other than slight cramping, spotting every other day (brown or pink) and loose stools. I have a doctor's appointment Monday for a check up and to get on birth control but until then...I just need some reassurance. Life is so hard right now.