Miscarriage?

Molly
Ok, I've been TTC for 8 months now and I was a little over two weeks late. I was so excited that we might finally be pregnant, I didn't take a pregnancy test because I didn't want to get too excited. I started experiencing cramping this morning and bleeding shortly after, I've had 2 miscarriages before but they were so much farther along I absolutely had to go to the doctor. My question is am I having a miscarriage or is my period really so late and worse than normal. I do not have insurance right now so I can't afford to go to the ER.