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

https://golf-wiki.win/index.php/How_do_I_plan_for_annual_bills_like_car_insurance_without_stress%3F

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.