Earache from cold or ear infection??

Have you ever had a earache from a cold? If so how did it feel?? I currently have a terrible cold and today my ear started to hurt. I haven't had an ear infection since I was a child! I don't even remember them honestly.

So just curious if I need to go to the doctor or not. I hope not as I don't have insurance and the cheapest to be seen is $140!!