Cramping and irregular

Hi all,

My husband and I are in our late 20's been ttc since last October with no luck. I'm super irregular sometimes every 2 months sometimes 3 or 4. I've always had a love hate relationship with AF... Anyway calendar went green on sept 1-7 so we spiced it up a little more. On the 9th I had some cramping on my lower right side, and again today same spot. When would be the best time to test?

And any advice for an irregular girl? I went to dr recently let them know I've been ttc for roughly a year but insurance will not cover the obgyn visit and won't take $ out of pocket for visit...

Thanks for reading!