What Causes Cold And Congestion Along Headache?

A couple of days ago, I kinda got a little cold (at least that s what I think it is). But I haven t suffered from a fever or anything like that. But definitely a lot of congestion. But what I did notice today is that, I got a headache, and it gradually got worse as the day went on. I don t wanna be a hypochondriac about it, but no lie, it scared me. I just recently (in March) lost a friend due to an aneurysm. I guess my question is, when should I be worried enough to go see a doctor? Because before these cold like symptoms occurred, I was suffering from sharp pains in my head, either on one side or the other. Not constant, but periodically, like once or twice every other day. Please help...