3 days late, negative tests, some symptoms, could it be?

My hubby and I are not ttc but also not trying to prevent it. He has a low sperm count so that is why we are not over doing ourselves with ttc and just enjoying ourselves. Although, for about the last week I just have gotten that feeling that "I am preg" he says I am just getting my hopes up because I do really want to have a baby. I was pregnant before and have a beautiful daughter, although this was in a previous relationship. With my first pregnancy I did not get a lot of the "common" symptoms but did just feel like I was prego and I missed my period. I was only 17 with my first pregnancy so when I missed 1 period I did not think much of it until I missed a 2nd so I did not test until almost 2 months pregnanct. I am not really having any symptoms other than being dead tired, slight headache here and there, feel somewhat bloated and I am on my 3rd day late for my period. I am hoping I just have low readings of the hcg hormone because I have taken 2 hpts in the last week (1 before I missed my period and the other after 1 day late) and both have been negative. Since I had not tested as early with my 1st pregnancy I do not know if it would be from low hcg levels. Am I crazy to think I could be pregnant, is there anyone else going through this same thing? I need help because I do not want to waste more money on hpts or go to my doc and look like a crazy person.