1 day late this month and last month

My period is 1 day late and it was last month. Last month is was only 3 days but extremely heavy (the heavy part is normal). Right now I'm having the usual cramps on my leg, which is starting to hurt really bad. I've been stressed with the death of a family member who I was extremely close to and school, trying to transfer and get my last classes for next term and trying to get my driver's license all at the same time. I'm assuming that it's stress related but I'm not sure. Should I be worried or are my hormones probably out of whack again? Something like this did happen in January and I was indeed stressed out back then too... I took a pregnancy test just to make sure and it came out negative.. then a couple of days later i had the heave 3 day period... I mean heavy as in I had to change 4-5 pads. I'm hoping its just stress.