How do you ask for money from back home? (New York)

Okay, so every now and again I run into some issues with running low on cash and I need some help from back home. My mum is always a darling and helps me out but I always seem to have to come up with the most exaggerated reasons for why I need the money. For example, I got a flat tire while borrowing my mate's car and had to pay for it since it was my fault. I had to tell my mummy that it costed $300 which was a lot more than I actually paid. I felt bad that I had to fib but it's tough out there on your own in a new place and money seems to go quickly. I am curious of all the other expats out there: How do you ask for money? And what do you say you need it for?

Looking forward to feedback, Cheers!