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A year and a half ago, I had what seemed like the most humiliating night of my life. It was my dad's birthday, and we took him to his favorite casual restaurant. "We" means my live-in boyfriend Chuck, my mom, my sister Teresa and me. To make things easier, I was going to put it all on my Visa, and Teresa would pay me cash for her share. I handed the waiter my card, and he brought it back. It had been rejected.

My mom tried to cover for us. "I'll pay for my own and Teresa's," she said.

"No, Mom, it's Dad's night," Teresa said. "I can cover the two of you and myself. Daisy can pay for herself and Chuck."

I was mortified. I was 23, and this would have been my first time treating Mom and Dad, and it was all going to hell. I told them, "Thanks, but I've got another card." I handed the waiter my Discover. That was declined too.

"I'll take care of it," Dad insisted. "You can pay me back when everything's straightened out."

"Not ours," I insisted. "I'll find a way to pay for it." Dad relented and paid for everyone but us, and they left me and Chuck alone. Meanwhile, I called up my Visa statement on my smart phone. Apparently the payment I'd made the night before hadn't posted. Awkward, but only ...

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