3days late and AFRAID

Today I am 3 days late on my period . I am scared to take a pregnancy test !! I want a baby so bad but the beginning of the year I had lost my daughter at 20 weeks she was premature and I had a lot of complication I was dialating at 17 weeks bed rest in hospital it was just a lot for me . So I'm scared to go through all that again , should I wait another week until I get a test ? Maybe I'm stressed ??? I recently got a promotion at work so things can be stressful at work .... Ladies I would love your help