Stress or possibly pregnancy?

I’m usually pretty regular and now I’m going on 5 days late. We use withdrawal. We had sex two days in my ovulation window. Once right before I ovulated. We were suppose to be getting married tomorrow but aren’t because of my fiancé’s freak skull infection from an accident in October so I’m super stressed from all that. Not sure if that’s a reason I could be super late. I felt a little cramping today but not for long. What are your thoughts?