Pneumonia or just a cold?

I have had a cough and little sore throat for 11 days now and whenever i cough I cough up flem and Im really congested and sometimes my chest hurts, But I dont have a fever or anything like that... So do you think its just a bad cold or a possibility of pneumonia, because a lot of people at school and some of my family memebers had pneumonia so I couldve caught it from them but im not sure...