Help!!

Hey girls, sorry for TMI but, me and my husband had sex during my fertile window as we don't really mind if I get pregnant but are not actively trying. I'm not taking any birth control, not using any type of protection. My periods are 2 days late so far and my tests are just completely negative. Usually, my cycles are 26 days long and never late! However, I'm experiencing awful headaches, faint legs and arms, cramps in the lower stomach, bloating, constipation, insomnia. Sounds like strong pms but no sign of periods. Am I too early to test or something?