The first question one would have to ask is how long are your cycles? The second would be when do you ovulate?
Not all women have 28 day cycles and/or ovulate on day 14. It's very important to determine when ovulation takes place as, not only will you know how to time intercourse, but you can determine if you have a luteal phase defect which can severly interfere with your ability to become pregnant.
You may have a 28 day cycle but ovulate on day 20 leaving an 8 day luteal phase which would make implantation impossible.
See what I mean?
Remember that the egg only lasts for 8 to 24 hours, fertilization occurs in the fallopian tube not the uterus and it takes 7 to 10 days after conception for implantation to take place, so all these are important factors to realize when trying to determine your fertility.
In addition, sperm can live in fertile quality cervical fluid for up to 7 days(max) so, assuming your cycles are bang-on normal, you could possibly end up pregnant having sex 7 days before ovulation but, honestly, it's not likely.
You should learn the fertility awareness method (see, taking charge of your fertility by toni weschler). This, while somewhat time consuming, should give you a clear idea of what your body is doing from month to month.
I hope this helps.