Saving for a big family cost, from a car repair to a school trip, is easier...

https://fast-wiki.win/index.php/If_my_emergency_fund_is_small,_should_I_delay_a_big_purchase%3F

Saving for a big family cost, from a car repair to a school trip, is easier when it has its own savings pot. Keep emergency money separate, then stress-test your budget with an awkward month to check both pots can survive a surprise bill.