Saving for a big family cost in the UK is easier with a dedicated pot, kept...

https://www.bookmark-help.win/save-for-a-big-family-cost-and-keep-cash-for-a-bad-day-use-two-separate-pots

Saving for a big family cost in the UK is easier with a dedicated pot, kept separate from your emergency fund. Set a monthly target, then stress-test the budget with an awkward month, such as a boiler repair or lower pay, before committing.