This sounds like my situation. What got me worried is that I've had my IUD for almost 3 years, and have been VERY regular regardless of what is going on in my life. However, I split up from my spouse almost 4 months ago.
25 days ago, to be exact, I had intercourse with a guy for the first time since. It was also 5 days after having my IUD checked (everything looked in place). It had been 3 months since having sex (yes, my ex and I had in until the end, lol), so I recognized that I might spot since it had been the longest in like 10 years I'd gone without. I spotted for a week after intercourse, and now, 25 days later, I am yet to have a period. I'm over a week late. I'm never late, and I never miss. To top it off, I Really was having pregnancy symptoms -peeing way more than usual, slight boob tenderness, this smell I get only when I'm pregnant or feel pregnant, and hungry, a little tired and more mood swings than usual. I realize that these are hormone related, and these hormones can be present regardless of pregnancy, but it still got me curious. I chalked it up to just an hormone imbalance due to the divorce stuff finally hitting me, as well as not eating as 'clean' as I usually do, which tends to mess me up. Anyway, I took 3 tests, all negative, but its funny that I just need to my period to get that sense of relief, ya know?
On my first pregnancy, I had a negative test, only to test 10 days later and be positive, so that must be why I'm hard to convince. The fact that has been 25 days since any intercourse, and the tests are negative, should be enough.