Trying to decide when to use my home Covid test.

I woke up today with a cough and runny nose. A few days ago I had to buy a new phone and the guy that waited on me was coughing and had a stopped up nose. I had a mask on, but I had pulled it down a couple of times because he couldn’t understand me with the mask. I have a home test, but don’t know whether to do it now or wait to see if it gets worse. It could be just a simple cold.