gross post warning

I have beeb feeling pain from a place on my rectum recently and was trying to figure out what it was and then started looking up hemorrhoids and it looks like that was what it is, but I looked at some pictures and realized that I might have a bunch of external hemorrhoids and they just never really hurt me much. I don't bleed when pooping (although I have in the past when I was sick, but it's like a yearly thing max and it scares me every time) but now I'm worried. I think this might be one of those "hemorrhoid thrombosis" whatever ones because it's uncomfortable to even stand or lay most ways most of the time and can be painful equally often and is at least a centimeter up and around. What do I do? Should I get hemorrhoid cream or something? I don't want to go to the doctor as I haven't paid my last doctor's bill yet and I don't think it's dangerous, but I want opinions.