Late BFP?

For the past few years I have been VERY regular on my period. I always have been exactly as predicted or 1 day off. I am currently 8 days late with no sign of my period.

The past few days I have had crazy mood swings and been emotional. I've been slightly constipated and My boobs have been sore all day. And starting last night I have been having cold symptoms such as excessive coughing, headache, sore throat and just generally achy. I have been told this is common in early pregnancy.

But. All I've gotten are BFNs.

Is there any chance I am pregnant?

We took a month off of ovulation testing/trying because I was so discouraged, but I know that I tend to ovulate later in my cycle.

At what point do I count this month a loss?