Menstruation Forum - Irregular Period with birth control.

Ok. Wherrre should I start.
Well. First off. A little medical history. Most girls start their period at about.. 9 or 10 or maybe 11, I was told. I didn't get mine until the summer after I had turned 16. I had my first period and after that week was over, I didn't have one until about 3 months later. In that time, I hadn't had sex so I knew it wasn't pregnancy. My mom went through the same thing. She was a late bloomer and had always had irregular periods. But she also had and still has Hyperthyroidism [Misspell.], which I think had a major part to do with it . For me at about age 18 after having 2 years of irregular periods, My Gyno decided to put me on birth control to help regulate my periods. For a good steady 3 months of taking them, my period was almost regular but still acted funny. When I turned 19, I lost my insurance with my mom and couldn't afford $60 pills every month. So I stopped taking them and in that time I was having sex with my boyfriend but we were very safe about it. Just 2 months ago, I started a new birthcontrol[Ortho.28 day cycle] I've been on it for 2 months now. About to start my 3rd pack. On my first pack, I was still late on my period. I freaked out and thought I was pregnant, mainly because me and my boyfriend were having unprotected sex. Yes. Very irresponsible. I started 3 days after I started the sugar pills. Well. This month. I'm on the 3rd sugar pill for the month and I still haven't had a period. I'm already worried again that I might be pregnant. But I think to myself that, since my mom has Hyperthyroidism, that I may be developing it because it can be passed down from parent to child. Or because of my new job, I'm very stressed out all the time and really, I'm a very emotional person and get worked up over simple stuff. Orrr. That because I'm on a new birthcontrol, my body is still not used to it all and with the combination family genes, stress and whatever else there is, My period won't start. I've also read that if you take your birthcontrol religiously every day, you will have almost 100% chance of NOT getting pregnant. I know me and my boyfriend should use protection but the past couple of times we have had sex, we haven't used a condom and he hasn't pulled out. I really don't know what to do except take a test but I just want to hear what other people think.
I don't know if I should wait until the end of the month or just take a test now and get it over with.