Spotting cycle day 23

I haven’t been tracking ovulation, just my periods. I’m 11 months postpartum and last month was my first “normal cycle” at 28 days. I woke up to spotting today and I’m on cycle day 23. I’m hoping it’s just my period starting early. I experienced some spotting a week before my period was due a few months ago and it ended up being a chemical pregnancy, so I hope that’s not what I’m in for again. I also came down with a cold yesterday so I’m hoping that’s the reason for the spotting/early period. What does everyone think?