Do I test now or wait?

AF is suppose to show on Tuesday. However not having the normal signs of her at this point. CM is very thick and white. I'm also extremely hornet which is VERY unlike me at this point. We have been ttc for 7 months and the stress of buying a home has made it harder to BD on the right days. Do I spend the money to test now or go ahead and wait until a few days to see if she shows? How many days late should I be before testing?