A big bill need not eat your safety net. Keep separate savings pots for the...

https://www.toddleabout.co.uk/parenting/planning-for-big-family-costs-without-losing-your-financial-buffer/

A big bill need not eat your safety net. Keep separate savings pots for the cost and your emergency buffer, with a set sum for each. Stress-test your budget with an awkward month: add a car fix, high food costs or less pay