Answers???

Hello, my period is currently ten days late, last month it was four days early and the month prior to that it was 6 days late. It hasn’t been ten days late in a few years and I’m wondering if I should be concerned. I’m getting a pale yellowish discharge, and cramps for the past four days so it feels like my period is coming soon. I was sexually actively about four weeks ago but I was very safe about it so I’m not too worried it’s a pregnancy. I’m guessing stress?? Should I take a test just to be sure or wait it out? Any advice?