I'm I pregnant or is my urinary tract infection getting worst?

My normal day of the month is in the 17 but for January I came on, on the 13 and I have been cramping since the week before I came on my period till this very day which is the 29 of January and my cramps have gotten worst especially while I'm working and I also have no health insurance to go get checked out they will bill me 500 dollars which I can't afford at the moment but I could also have an urinary tract infection I can feel it when I pee so could it just be my urinary tract infection getting worst and not pregnancy