Stomach pains, slight bloating, gassyness, late period too,

Ok recently ive been getting light tummy aches, gassyness and my period is late .... im not sure how late, but i know its late, probebly by about 5 days.
ive had 2 periods before this all A-ok! the last time i had sex was weeks before the last period i had, and the period i had after was perfectly normal.
if i am pregnant im over a month into it .... so im thinking it cant be that can it?

ive been ill twice back to back with the flu and only one week seperated them, ive done long hour shifts and changed my eating pattern a bit ..... so im wondering is it these things that are causing my late period?
at the moment its a slight sharp pain, ive been reading up on pregnancy sites and only very few of the symptoms i experiance and thats the stomach pains and lateness ... - _ -
otherwise nothing else, no swelling of the breasts or anything.

im worried about being pregnant as i just dont have the money and i really dont want it to happen yet.

anny suggestions?
other than a pregnancy test... which i cant do til after christmas ... i have no money - _ -..

please help me out if you can!
thank you