Aww mama, I totally get the anxiety, three years is such a long journey na Pero honestly, the cramping, bloating, and palpitations could be a lot of things (stress, hormonal shifts, even just your body being off), kaya I'd really suggest getting a blood test done at your OB instead of just the home PT, lalo na after 13 days delayed, they can detect pregnancy earlier than home kits and rule out other stuff like thyroid issues na pwede rin mag-cause ng palpitations at fatigue. A few of us moms have experienced delayed cycles from stress or lifestyle changes too, so it doesn't always mean pregnancy, but it's best to know for sure from a doctor na makikita ang full picture. Sending you hugs, and hoping this is your month!