Planning for a big family bill? Keep separate savings pots for the cost and...

https://www.apu-bookmarks.win/planning-a-big-family-bill-from-a-childcare-deposit-to-a-car-repair-is-easier

Planning for a big family bill? Keep separate savings pots for the cost and your emergency buffer. Stress-test your budget with an awkward month, such as a car repair or reduced pay, so you know what you can afford before committing.