i might be pregnant??

i am 10 days late and i haven’t taken a test yet, although I’m planning on taking one tonight. i have never taken a pregnancy test before and I’m so nervous. I just turned 18 2 months ago and I don’t have any insurance or family that could help me if I decided to have the baby or if I decided to have an abortion. Neither of those things seem like a good option. But I know if I am pregnant, I’m probably going to have to have an abortion because I just can’t pay for a baby right now. I know I’ll absolutely hate myself for it though. Please someone just give me some advice or words of encouragement. Please. I really need it.