During pregnancy, at what stage does your belly become hard?

i think i am possibly pregnant, but i dont have any money to buy a test. its not like i go spending it on other stuff its that i actually have 0 money, and at the doctors they give you an appointment in like 3 months. ive been having all the symptoms for about 3-4 months now but my belly is sort of squishy and a little bit hard. i dont think it looks like im just fat, and my boyfriend doesnt think it looks like just fat.