Is AF coming??

My period is 5 days late. I'm never late. I took a test Wed and it was negative. I was diagnosed with infertility in Jan, went through 3 failed IUIs, and truthfully we haven't been trying (or having much sex) since we decided this might not be our path to parenthood. I dont feel like I could be pregnant, but idk where af is. I charted for the first time this month, starting late only after a new doc suggested to. Wdyt? Should I spend the money on another test?