Saving for a big family bill in the UK is easier when you keep it apart from...

https://victoriassmartword.publishlane.com/posts/what-is-a-sinking-fund-and-how-is-it-different-from-an-emergency-fund

Saving for a big family bill in the UK is easier when you keep it apart from your emergency buffer. Set up separate savings pots, work out a monthly target, then stress-test your budget with an awkward month full of extra costs before you commit.