having a hard time

Evita

my hubby quit his last job and got a new one. we had insurance through his last job but since he quit we no longer have health insurance. I support him because the job he had was wearing down his mental health because the company was terrible, but at the same time we really needed that health insurance. especially right now. I am 78 days late, with no indication of if my cycle is just messed up for some reason or if I may be pregnant. I have been getting nothing but negatives on home tests and right now we cant afford for me to go to the doctor and get a blood test or ultrasound. I just dont know what to do at this point. my periods always came a bit early or stayed a bit too long, they never missed unless I was extremely stressed and I have not been that stressed at all the past several months. except for now since I hit 55 days late.