Help!

Kirsten
I had a tubal ligation more than 8 years ago after the birth of my 3rd child. My period has been regular, on the dot, since my cycle started over 20 years ago. As of today, it's 14 days late...I have zero symptoms of pms, (but none of pregnancy either.) Took a dollar test today and it was negative, so I don't think that's it. But what's going on? (Not menopause either....all the women in my family don't beginthat phase u til their mid 50s.