Not sure if i can be pregnant..

Okay, So me and my boyfriend have been sexually active since September of 2011. And stupidly enough we haven't been using protection. Well my menstural cycle lasts from 3 to 5 days and my flow in medium to slightly heavy. On October 26, 2011 I have a normal mentural cycle, nothing weird. I was extremely stressed out that nothing, due to a wedding for my bestfriend and other issues going on. Well on November 30th I got my period again. But this time I wasn't bleeding like i normally do. It was more like spotting just a little heavier than spotting tho. But it still lasted the normal 5 days. And that month nothing was crazy. I wasn't stressed out. I was doing really good. But now It is now January 7th of 2012. I still have yet to get my period. I am not sure when I had sex in December. But I know there was at least 5 different occations. I also had sex on New Years Eve. And I was cramping then as well. Since then I have cramped but my period has not showen up. I have no other signs or symptoms of pregnancy. No morning sickens, ummm my breats are slightly tender, But besides that nothing else is pointing out to me that i could be pregnant besides the fact that my peroid is late. If anyone has anything that can help me, Please feel free to let me know. I have gone to a few friends. But it just hasnt cut it. I also can't get a test because we dont have the money. Please help me!!!!