Don't take this personally, but whenever I see a pretty direct request for an opinion about a physical symptom associated with doubt that it is TMS, I am compelled to remind everyone that if you're truly concerned about a physical symptom, you need to consult a health professional in person.
That being said, if what you're experiencing is actually a normal physiological phenomenon which is perceptually exacerbated by exercise anxiety, a certified personal trainer can help you regain confidence and educate you about noisy ligaments. And assess whether you're hydrating adequately, and/or just need to get out there and do more, among other things.
As for me, I feel like I've had noisy ligaments in different parts of my body off and on all my life, but I must have learned early on that these things come and go and are simply a function of having a body, which never seems to feel or behave the same way two days in a row. Especially at my age.