Save for a big family cost without using all your spare cash. Keep one pot for...

https://shed-wiki.win/index.php/How_do_I_check_if_I_qualify_for_30_hours_childcare_from_9_months%3F

Save for a big family cost without using all your spare cash. Keep one pot for the goal and a separate pot for shocks. Stress-test your budget with an awkward month: add a bill, lose some pay, and see if your plan still works