Palpitations? Pls help if you can?

I have palpitations. I dont have them at regulary moments, they just pop in n out, so to say. When one hits, it flutters for like a second then goes away, or itll flutter I cough and it goes away. No hurting, dizzyness or anything, like that, it just "surprises" me.i just wore a 24hr heart monitor, but waiting for results r buggin me. Is it my heart or nerves? Just needing comfort I guess, im 29 f over weight but on a heart healthy diet and lost 10lbs so far...my palps came out of nowhere one day, I stopped smoking 2yrs ago and I drink water only...pls help