my period is late helppp!!

okay so my period is three days late, and i'm worried. my boyfriend and i have sex frequently, but we use a condom and pull out as well every time. however, im not on birth control. though we do other stuff, but i don't think it got too messy. i'm wondering if it could be stress related since i had a death in the family this past week along w school? or if i should take a pregnancy test?? and when should i be truly worried about it?