Ryn,
I think it is quite common for women to have a light bleed around the time that AF is due when pg. If your cycle is 'off' compared to what it is normally or your temps are still high (don't think your charting tho...?) the only way to be sure you are or aren't pg is to test or go to your Dr and ask for a test (they will make you poas before you go for a bt, esp since you haven't done a test yet).
So if you insist on getting DH's ok, just explain to DH that you honestly think there is someting up and you are concerned, he should have no probs with it...
But I have to agree with the other girls, test anyway, since you have all these concerns it is an easy way to put your mind at rest.

Good luck

Tanya