Shaving ?

Hi I’m 22F and I struggle with shaving downstairs, I always get ingrowns or razor bumps/burns. My legs too but that’s not the main issue right now. It’s causing slight problems with my confidence, I can’t wear bikini bottoms because of it, I feel insecure during sex and only do it with the lights off and if not I always make sure a blanket is covering my lower half. Which I can tell my boyfriend dosent like as he wants to see all of me but he respects I feel uncomfortable. He tries his best to reassure me but I just can’t bring myself to remove that blanket. I’m on a tight budget so I can’t buy and try everything but I’ve tried a majority of things. I’ve tried single blade razors heard something that they don’t cut the hair so short so it shouldn’t cause ingrowns, tried hair removal cream but it doesn’t work the best plus that stuff STINKS, I exfoliate, I swap for a new razor every time because maybe the blade going blunt was the problem. The only thing I haven’t really tried is waxing down there, I don’t really know if it’s worth it? Like does it help? How long does it last for? My best mate told me to try at home laser thing? But the cost of those are ridiculous which I can’t do right now. She also suggested glycolic acid to help but I can’t really tell if that’s working or not. I want to be able to go to the beach in a bikini and go swimming in a bikini not shorts and I wanna be able to be confident enough to let my boyfriend see me completely naked in day light Yano?

I’m just looking for some advice on how to help fix it. Anything would be appreciated because I’m at a loss right now. Thank you.