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

https://xeon-wiki.win/index.php/Why_does_it_feel_like_family_costs_never_arrive_one_at_a_time%3F

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.