No Period (1 week late), Tender and 2 Negative Pregnancy test. What is going on with me?

About 1 week before my period was due I started to get Cramps I felt exactly the same way I do right before i get my period so I thought it was coming a little early. But then the cramps seemed to fade away & I did not get my period and now I am 1 week Late. I took a Preg. test when i was 3 days Late & it came out Neg(-) My Husband and I have been trying to have A Baby so we were dissapointed with the result, After taking the test i have felt weird I had sore ,I feel disgusted by the smell of certain foods while cooking & I have been feeling tired lately So after feeling this way my period still has not shown up I'm 1 week late so i took another test today after taking a 4 hour nap & it was also Neg(-) We are dissapointed & confused. What is gong on with me? I would like to go to the Doc. But I won't have health insurance for another 60 days. What should i do? Has anyone had any similar experiences? I will appreciate your answers. Thank You =)