A big family cost, from a nursery deposit to a car, is easier to plan for when...

https://www.save-bookmarks.win/planning-for-a-big-family-bill-from-a-car-repair-to-a-house-move-need-not

A big family cost, from a nursery deposit to a car, is easier to plan for when it has its own pot and your emergency fund stays untouched. Keep separate savings pots, then stress-test your budget with an awkward month to see what you can really afford.