Worried and confused

So, a little background: sept

2017 I had lost a baby at 11 weeks, towards the end of 2018 we decided we were emotionally ready to start trying again. So we did for only 2 months before we realized that it might be better to wait a little longer, I got my period, like normal, took a test and it came out negative. Okay, so im not pregnant and I knew I wanted to wait, things are going as planned.

Jump forward a month, we're no longer trying, using pullout method as we have been for 2+ years now with no scares. End of the months comes, and i'm waiting and waiting and no period. Maybe i'm just a few days late? 7 days pass and still nothing. I take a test, negative. 3 more days pass and still nothing. Take another test, negative.

Im cramping and breaking out as if I'm on my period but i'm not. 10 days late, all tests negative, any idea what could be going on?

We do have a lot going on right now so I was thinking maybe stress? But I've never been this late before.. I really dont think i'm ready to be pregnant again right now, and financially I KNOW we aren't ready.. I feel bad saying I hope im not pregnant but I mean that's how i'm feeling right now. Idk what i'll do if I am... like i'll be happy obviously, but I have a wedding in 11 months, started personal training, money is tight, working on starting my own business, and its just not good timing... is there any other possibility that you can think of?