Am I pregnant?

My period was due December 28 - 31.

I always get my period on time and I’m not on birth control, my boyfriend and I use the pull out method.

Which I get isn’t smart, yeah I know.

Well my period is late, I took a test on December 29 it came back negative I used clear blue digital.

I also have had light pink dots when I go to bathroom.

Creamy white discharge

And currently my stomach hurts.

I’m super worried, when should I test again?

And any advice on what to do please and thank you.

Also silly question but I had a common viral infection a cold for almost two weeks right before my period should start on the December of 28 -31, I heard it can make my period late.

Is that true or just a myth?