Help! So confused. Pregnant or stress?

AF was supposed to come Monday, and it is now Friday and still nothing. I had weird cramping like pinching the first 2 days and since then nothing. I even keep forgetting I'm supposed to get it. My SO and I have been having unprotected sex and I am not on birth control, yet he thinks I'm just overthinking that I could be pregnant and it is causing my period to be late. I'm not sure what to think. Could this really just be me overthinking it? I didn't think I was but maybe self consciously I was. I'm not sure what to think. I know I should take a test but he usually has the card and money to pay the bills. Any suggestions??