Saving for a big family cost is easier with its own savings pot and a separate...

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

Saving for a big family cost is easier with its own savings pot and a separate emergency buffer for life’s surprises. Pick a monthly amount, then stress-test your budget with an awkward month of bills or repairs before you commit.