Uh oh...four months after and I think we slipped up...scared! Help!

Please, don't judge me. I had my daughter four months ago. About a week and a half ago, I had unprotected sex, but he pulled out (or so he claims). Biggest mistake ever. I cried after. I was due to start my period a few days ago, but nothing. Yesterday I started having mild cramping, which really scares me. Being pregnant would scare me, yes. But only because I'm still with my parents and I'm barely getting back into massage school after having to drop while pregnant...I feel they may kick me out. I could go live with his mom that lives 8 hours away, but I would much rather live at home...I feel like an IDIOT for doing what I did, but I don't believe in abortion as birth control. If my period starts, I swear I'll sing. But as of now, would it be too early to take a test? I'm not exactly sure how long my cycles are, so I could be way off on when AF is due. Oh, and I'm having watery discharge.

Also, any words of encouragement? It's 2:30am where I am and I'm feeling pretty down about it all...I would never regret my kids, but I would regret the timing...