Planning a big family cost in the UK? Keep money for the goal in a separate...

https://manuelssmartperspectives.novacrestiq.com/posts/low-monthly-payment-loan-why-does-it-still-feel-expensive

Planning a big family cost in the UK? Keep money for the goal in a separate savings pot from your emergency buffer. Stress-test your budget with an awkward month of higher bills or reduced income, so you can spot a shortfall before committing.