Saving for a big family bill in the UK is easier when you keep it apart from...

https://www.start-bookmarks.win/uk-parents-can-save-for-a-big-family-cost-and-keep-cash-for-a-real-emergency

Saving for a big family bill in the UK is easier when you keep it apart from your emergency buffer. Set up separate savings pots, work out a monthly target, then stress-test your budget with an awkward month full of extra costs before you commit.