Almost 3 days late... should I test now?

I’m supposed to be on day 3 of af, but she still hasn’t arrived. I want to test now, but I also want to give it another 18 days because I have been through this before and she would arrive as soon as I took a test and get a bfn. I haven’t had this since Aug. 2017. Since September 2017, I have been NORMAL. Af would arrive right on time or early. Last time she was late was last month, and only by 2 days. But I got the normal cramping and mood swings, etc. this time, nada. No cramps, no mood swings, nothing.

Should I test now and get it over with, or save my money?