Seven Days Late and Not Pregnant

Hi everyone. I know no one here is a medical doctor but any advice or encouragement when I am discouraged is what I seek most.

I'm 7 days late now of my period. Not last month, but in May it did the same thing where I was 10 days late. I'm 32 years old, and I have been regular for awhile now. Except this SUMMER. My entire balance is off. Yes, stress is a huge factor (unfortunately) in my life. However, I thought this past month was good. Not a lot of stress. My hubby and I will be moving across the country again by the end of summer. Closer to family so I'm happy about all this.

I don't understand why my body is going against me. I don't have health insurance, otherwise I'd go to the doctor in a heartbeat.

And I'm definitely NOT pregnant. We didn't even have sex this month. Again, stressful.

I did stop taking a vitamin everyday like I was but... Not sure. I've read depression can also be a factor...

Help! Tips! Advice?