I'm getting most of the early signs of pregnancy, and I'm 3 days late, the test said negative am I pregnant because I've never been late before.

If you don't have the money, you should go to the Public Health Department for a checkup. There are many things that can disarrange you "schedule". If you have a Family doctor arrange for a checkup. It's always good for future use.

3 days is not considered late in the medical community. Premenstrual symptoms can be exactly like pregnancy symptoms. I'd suggest you wait another week then test using first morning urine.