Giving up hope

I’m 41 my period is 12 days late. I’ve taken 4 tests and all were negative. My heart is broken I feel my chances of motherhood are all gone now. Can’t afford IVF and at this point not sure if I want to take myself through the heartache. Just don’t understand why people as I chosen to be infertile. I’ve been trying to hide my tears from my husband but he knows my heart after the 3rd test he sent me a text saying how much he loves me and nothing can change that. But at this point I feel unlovable undeserving and just broken…