I've been lying to my parents

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TL;DR I need some emotional coping tools for when I tell my parents that I've been lying to them about working full time and need money to pay off debt.

I've been jobless for several months now and slowly been depleting my savings. I haven't told my parents this because of shame and I basically need to beg them for money now so I can pay the debt I've accrued. I've been telling them that I've been working full time at Walmart, so asking for the money will precipitate questions and they'll have to learn the truth. This is a very straightforward problem with a very simple solution. but the simplicity makes it no easier to do. I'm the sort of person who builds himself up into a spastic, anxiety drenched wreck and then pussies out at the last second, failing to do what he needs to do, even when it's so fucking simple and would take ten minutes. I could end up homeless if I don't do this, and yet I still might not do this because I'm emotionally retarded.

So, anybody got some advice for dealing with my anxiety, shame, regret, and depression?