Not sure what to think

Karrie

So by my chart I'm either 17dpo or 15dpo either way I'm late for my period. My temp has been going down but I still haven't started. I've been checking my cervix and it's closed with a mix of ewcm and creamy cm. Why haven't I started? Can my temp drop but be pregnant. I took a test at 12dpo and it was bfn but I got a faint line at 11dpo. I'm so confused and I can't test as I don't have any money right now.