Saving for a big family bill, such as car repairs or school costs, need not...

https://technivorz.com/what-does-regulated-borrowing-mean-for-family-finance-decisions/

Saving for a big family bill, such as car repairs or school costs, need not leave you exposed. Learn how separate savings pots can protect your emergency buffer, and stress-test your budget with an awkward month before choosing a monthly target.