Please help.

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Hi ladies.

My last period started about two weeks early. My current period was supposed to start Nov. 6, but it didn’t. I had protected sex (he didn’t finish inside me l, but he did finger me with possible cum on his fingers beforehand) and I also took a plan B the next day just to be safe. I took a test on Nov. 17 but it definitely seemed like a cheap one, the results were negative though. It is Nov. 20 and my period is still late. I’ve been cramping all week but I’ve had no period.

What does this mean and when should I start freaking out? How long do I wait this out before buying a nicer pregnancy test?