heartfreak, sorry to hear about your financial predicament. If these palpitations are not accompanied by any physical symptoms such as shortness of breath, chest pains, fainting spells, dizziness, etc, I am quite confident in saying that they are probably benign. However, you should get yourself checked out at the earliest possible opportunity, especially when you have a history heart disease in your family. If none of these risk factors are present, try to stop worrying about them when they happen - they're just annoying, and worrying about them makes them worse, and you may get yourself into a vicious anxiety cycle.
There are some "old wives remedies" for this:
(1) blowing out your ears by pinching your nose hard
(2) taking magnesium supplements
(3) drinking water
(4) coughing hard
Some of these "techniques" have been known to stop the palpitations or make them easier to tolerate. Hope this helps