Am I pregnant or just crazy? Lol

I was supposed to start Monday and I'm late. The test was negative and I thought the symptoms I was having meant I would start but still nothing..... I'm having some minor cramps but nothing like normal period cramps. My SO and I had sex nine times since my last cycle. We use the withdrawal method except for when I'm not ovulating I let him come in me. I've been using this method for two years, so I felt good about it. In the two years we've used it, I've NEVER been a day late. The test was negative yesterday and I thought for sure I'd get my period today but nope. Idk what's going on.. Anyone have an experience like this?