1.
Find a suitable time. If you owe others money outside, you'd better not hide it from your family. You must find a suitable time to confess to your family. ...
2.
Don't hide anything. Confess the money you owe to your family. I suggest telling them all truthfully. Don't hesitate. ...
3.
Explain why you owe money. Confess to your family that you owe money outside, and be sure to explain the details of your debt to your family. ...
4.
Be sincere. If you have done something wrong, you must confess to your family, and you must put down your posture. You are not allowed to speak insincerely. ...