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

https://www.toddleabout.co.uk/parenting/planning-for-big-family-costs-without-losing-your-financial-buffer/

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.