Chapter 1: The Art of Borrowing Money from Your Parents

Step 1: Ask for money, but only if you really, really need it.

Step 2: Use it for something worthwhile, like buying a used Segway.

Step 3: Promise to pay it back, but only if you're feeling optimistic.

Step 4: Forget about it, until you need to borrow again.

Credit Score Woos: A Tale of Woe Money Management for the Chronically Clueless