Heart races with little movement?

This hasn’t happened up until the past month. 
Example: I was carrying groceries from the car to the apartment. I was walking super super slow so I didn’t slip on ice. And my heart was racing like I was running for a while. 
Another example: when I was shopping for groceries, it started racing like I was running even though I was just walking around and browsing. 
I’m female, 20 years old, BMI 27.5
I’m unsure why this started randomly but I’m scared to exercise incase it’s a bad heart issue. 
I also get it at rest, and get heart palpitations (mainly only when laying down or trying to sleep)
I’m unable to see a cardiologist due to my insurance not covering it. I visited my PCP and he wanted a heart monitor done but I can’t get it due to insurance too. 
Has anyone had anything similar?
And please don’t just say I need to see someone. I don’t have the money to. 

J2021-02-16T07:20:34Z

try increasing water intake and try for walks during the day. See if proper hydration and slowly getting into Shape will help overtime. You are overweight now, but close to a healthy weight, now is the time to fix that’s before it becomes further away and harder. Higher weight definitely increases ur risks of disease. 
For people with tachycardia, proper hydration is key in treatment. Hydration and electrolytes. 
Try those things for a few weeks and see.
There’s definitely no quick fix, it all takes patience.