A big family bill need not wipe out your safety net. Set up separate savings...
https://charlie-wiki.win/index.php/What_baby_items_can_I_buy_second-hand_and_what_should_be_new%3F
A big family bill need not wipe out your safety net. Set up separate savings pots for the cost and emergencies, then test your plan against an awkward month with a repair, higher bills or less pay. You’ll see what you can truly afford before you commit.