Asking Mom & Dad for a Bailout: A How-To

New Year's money resolutions

As an adult, you hope to never be in a place where you are so desperate for money you have to ring up the Bank of Mom & Dad.  Here's a related question I recently answered on Learnvest.com.

Dear Farnoosh,

I've never had to ask my parents for financial help, but I'm afraid the time has come and I am so annoyed with myself and also worried I'm in for a lecture from my dad. It's not like I have a major excuse either, like a job loss or disability. I stupidly cosigned...