Another month

Hi everyone ❤️ I need some advice or to vent.. My period hasn’t came since October 3rd. I’ve spotted twice this month(December). I took 2 pregnancy tests in the middle to end of November and they were negative. I’m asking for advice because I’m in between insurance. I started a new job so my insurance at my prior job ended and mine doesn’t kick in until February, I haven’t been able to make an OB appt. I’m tired of taking tests for them to be negative so in November was the last time. If I’m this late wouldn’t a test be positive by now? Or is the spotting concerning? It was only when I wiped with my first U/O in the morning a week apart..