Last month an emergency in my friend's home left the whole family in financial panic. In most homes one person handles all financial things.. income, expenses, loans, insurance and investments. The rest of the family has no idea. In my home it is my mother. After talking to friends I realised almost every family is the same. It works fine until something goes wrong. Then nobody knows what money is coming in, what commitments exist or what bills are due. Confusion and panic follow.