Weird Cramps?

Okay, this is my first post here so go a little easy on me as I am not entirely sure where it's going to go.. I usually get really distracted when making posts and I ramble. Also, please forgive any mistakes... autocorrect is both amazing and unforgiving.

Alright, so back in July of this year I was very, VERY late for my period. Almost a month late, or on the dot, either one. Well, I was having mostly unprotected sex with my husband (married going on 4 years this November) and while we aren't trying to have a child, we weren't afraid of having one if it happened. Now, he always pulled out, and I've had several scares with randomly late periods before so this one spooked me, but the longer it went on, the more my anxiety climbed. I took 2 pregnancy tests - the first 1 week after I was late and the 2nd two weeks after the first. They both came out negative luckily. About 2 days after the second test I started and the cramps and bleeding was monumentally larger than any I've ever had. I swear I think I miscarried but I couldn't afford to go to the hospital with no insurance at the time... (I've got it now and have a gyno appointment for getting birth control soon) I just had another huge cramp like I do about 2 days or so before I start my leriod, but it's coming really early.. I am also very bloated feeling. Could this be maybe a pregnancy even though I had my period? Or am I paranoid and just over imagining because it's early?