Saving for a big family cost in the UK does not have to wipe out your safety...

https://www.apu-bookmarks.win/a-practical-uk-guide-to-saving-for-a-big-family-cost-while-keeping-an-emergency

Saving for a big family cost in the UK does not have to wipe out your safety net. This guide shows how separate savings pots keep your goal on track, then stress-tests your budget with an awkward month of bills, repairs or reduced pay.