Do you ever ask your parents to lend you money?

[Shesobsessedwithgrinch]

I live abroad and have mainly done everything myself my whole life.
Parents have given money in the past for birthdays, Christmas etc
We have a huge electricity bill and the washing machine has decided to die. Would you ask your parents for a loan, I’m easily able to pay them some back each month. I just feel so ashamed and awful asking to lend it. I know plenty of people who have money from their parents fairly regularly, I just find it so hard, would I be being unreasonable to ask them for some as a loan?

I've never needed to, yet, but my mother is always reminding me that she will always lend money, I need only ask

I have in the past from my mum. Things like money for a rental deposit while waiting for our old house deposit to be returned that kind of thing. She lent me money last year for carpet as we bought a new build home and all our money was swallowed in deposit and solicitor fees etc. I always pay her back.
I can't see a reason to borrow from her now as I am older and have more of a cushion behind me but I know I could ask in an emergency and she would help if she could.
I would rather ask her than someone unrelated. I wouldn't ask a boss. If I were you I would just be straightforward and ask.

Yes because I've always been bad with money, better now but still repercussions of when I was bad, so I lend from my dad who has savings. I have no shame about it, I just pay him back.

Depends on your family dynamics but ultimately why bother feeling bad if you need it? And just ask yourself whether saving that embarrassment is worth the impact of not having the money. Pick one and go with it.

I have asked before and would if I needed. My parents would be sad knowing I was struggling if they could help. I hope my children would also ask me if they needed it

My parents are very wealthy but other than a house deposit 30 years ago, I'd never ask. They are kind but risk averse savers and ridiculously cautious about spending any money - even now in their 80's they won't splash out on luxuries despite us repeatedly telling them to- they only got a cleaner a few years back under duress despite still living in a massive 6 bedroom house! Neither grew up in poverty but just don't see the need for spending.

The house deposit in my early 20's will be deducted from my share of their estate as siblings didn't need/want the same and I'm sure they would give me money if I asked but I just never would unless I was literally at risk of being evicted or going bankrupt. No idea why as I don't think they'd mind but it's just not something I'd ever consider (we would and have taken out a loan if we were stuck). I do know my parents have set up a trust fund for all their dgc which will be a house deposit (c. £60k each) so we don't have to worry about that at least.
One of my friends was amazed I didn't ask them to pay for private school fees or towards our lift conversion but I just can't imagine myself having a conversation with my dad asking for the money he earned because I have a job that doesn't pay as well.

But one thing it does buy is comfort knowing we would never find ourselves in real hardship as help is there.

I asked once, years ago and she never let me forget it despite being well off.
I paid it back straight away and have never asked since. I really struggle at times but I’d rather go without

As a parent of adult DC I would very much want to be asked. I'd hate to think of my DC struggling when I could help them.

My paret

I never have but my parents are constantly bailing my sister out. Mind you, they’re not short of a bob or two.

I've never needed to, but I'd rather borrow via a loan or credit card if I didn't have the money to cover something urgent. It wouldn't cross my mind to ask a person, I'd think of the bank first. I would never ask a boss for a loan - I think it would be a bad way to present yourself at work.

I moved out at 15 and have only ever asked for money once. For 200 quid to get down a mountain when my campervan broke down. I quickly paid it back.

Yes. All the time. Yes, we feel bad, but without it we'd be up shit creek without a paddle.

💯 ask them I am that parent and I gladly give my adult children financial help if the need it!

Yes we have borrowed money and paid them back in the past. We buy stuff on each other's behalf and pay back fairly frequently too. I think how acceptable it is varies by family. It's very normal for us and I know they don't mind and are aware we'd do the same if they ever needed a hand.

yes, they lent me £1500 to buy a new car when I was 19 and my other one broke. Couldn’t afford to get to work otherwise, they offered.

I’ve them once, when we needed £10k towards house deposit in early 20s. Both time I set up a monthly standing order to repay them. We are in better financial positions than our parents now, so likely will never need to ask again, but I know they wouldn’t hesitate if we were in dire straights.

We often lend our daughter money, she sets up a dd to pay us back monthly. When saving interest rates are so low, we would rather she borrow from us than pay the banks interest.

I have never needed to, but I know for sure they would be quick to give anything I needed. As it is I have to be very careful never to say anything that might even imply I'm short of money, like "Wow that roofing job cost me £2k" or "How about those utility prices!" or "We're not going away this Easter", because they will be trying to push money at me.

They would lend if I asked. I would never ask them or put them in that position. We manage, if needed be I'd just pick up more shifts.