How late are you before you test.

Hey ladies. This is my 1st time posting that's why I'm posting anonymously. Usually I freak out the day I'm late and run and grab a test to be safe and it always comes back negative. Then AF comes the next day so I freak out for nothing. But This time I'm 3days late and I've had no cramps or anything saying I'm fixing to start like I usually do. I don't wanna jinx myself and tell everyone in my family I might be pregnant. I'm just not sure how long I should wait before I test.. Also I am married and my husband knows I'm late but he told me not to worry about it but that was when I was a day late. We have 1 son already. We both want another kid but was wanting to wait til our son was at least 2. My son turns 1 on the 20th. My period only last 3-4days. Today is number 3. I don't wanna get to excited if I am. Then turn to a BFN.