Don't know what to think

Milagros
Okay so here's what I need help with. My hubby and I have unprotected sex but we rely on the pull out method. Well last Thursday the 14th, after he pulled out and came on his hand I felt a bit of his cum drop on my vagina & when I mentioned this to him he kinda just used his finger to spread it around? I don't know if he was trying to determine if it was cum or not. (He just shrugged when I asked him.) 
I was supposed to start my period on Tuesday the 19th; but so far nothing. I haven't gotten any cramps and we had sex on Tuesday, and that would typically help with my period coming, but it didn't. 
Now, I've been really tired, moody, I've been crying at just about anything, my appetite has gotten bigger, it hurts to wear bras & today I started getting this pain in my ovaries. At first I thought it was cramps, but I know they're not because I usually can't get up when I get cramps. 
What do you guys think I should do ? How much longer should I wait to take a test ?