Planning for a big family bill? Keep separate savings pots for the cost and...

https://milosultimatecolumn.zenbloomer.com/posts/what-should-i-include-when-budgeting-for-a-safer-family-car-2

Planning for a big family bill? Keep separate savings pots for the cost and your emergency buffer. Stress-test your budget with an awkward month, such as a car repair or reduced pay, so you know what you can afford before committing.