Taking my first pregnancy test...

I've been experiencing a phantom period for the past almost a week now and I'm pretty sure it's due to stress from all kinds of things going on in my and my partner's life right now but I'm scared half to death about it and this is the first time I've ever taken a pregnancy test. I'm so afraid and worried, I'm not ready for this, I can't afford this, I just want it to be stress causing the delay so I can forget about it all and move on. I've been crying from fear and stress for days.