Baby or stress??

I'm currently not TTC but I cannot figure out if I am late due to the amount of stress I am under or if I have a baby in the oven. My SO and I last had intercourse on Dec 12. I am 2 days late. My back is killing me but this has been going on for a little bit, I work with infants and toddlers all over 20lbs that like to be picked up. I have cramping here and there. But my nipples are sore. Just trying to get others perspective and I plan to take a test tomorrow if I still have nothing.