Saving for a big family cost is easier with separate savings pots for the goal...

https://sticky-wiki.win/index.php/How_do_I_turn_one_big_bill_into_a_monthly_amount_that_actually_fits%3F

Saving for a big family cost is easier with separate savings pots for the goal and emergencies. This UK guide helps you set a realistic monthly amount, then stress-test your budget with an awkward month of higher bills or less pay.