Period 2 months late! Advice??

I'm so confused. My last period was Oct 1st and ended the 4th. Was supposed to show again on the 28th, but no sign. Took a hpt 4 days later.. negative. Thought I was just skipping. ( I skipped a period last year, went to the doc, did urine test.. neg.. Dr. Chalked it up to possible Pcos but never confirmed) took 4 more hpts throughout November.. all neg. Started light spotting Nov. 30th, thought af had finally come. Have been spotting every day since.. but it hasn't been enough for a pad. No insurance till the first of the year. Any ideas???