I know that it can be awkward when the sales clerk asks if you'd like to donate to a certain charity at the checkout with a line behind you but amazingly enough it didn't make the list of awkward money moments.   A new survey conducted on behalf of CouponCabin.com finds 41 percent of U.S. adults rank having a credit card declined as the most awkward money moment.

(Photo Illustration by Justin Sullivan/Getty Images)

Let’s see what other awkward money moments also made the list:
• Feeling pressured to donate to a charity on behalf of a co-worker, family member or friend – 34 percent
• Saying no to giving money to a panhandler or beggar – 29 percent
• Feeling pressured to chip in on a group gift at work, like for a baby shower or wedding shower – 25 percent
• Sharing salary/wage amounts with co-workers – 25 percent
• Splitting a dinner bill or check with a large group of people – 17 percent
• Figuring out a gift to get a partner for special occasions, like a first anniversary or a first birthday together – 14 percent