UK families can save for a big family cost without draining their emergency...

https://manuelssmartperspectives.novacrestiq.com/posts/low-monthly-payment-loan-why-does-it-still-feel-expensive

UK families can save for a big family cost without draining their emergency buffer. Keep separate savings pots for the goal and unexpected bills, then stress-test your budget with an awkward month before deciding how much to put aside.