Saving for a big family bill in the UK is easier when you keep it apart from...

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

Saving for a big family bill in the UK is easier when you keep it apart from your emergency buffer. Set up separate savings pots, work out a monthly target, then stress-test your budget with an awkward month full of extra costs before you commit.