Save for a big family bill and keep cash back. Use separate savings pots for...

https://wiki-aero.win/index.php/If_my_emergency_fund_is_small,_should_I_delay_a_big_purchase%3F

Save for a big family bill and keep cash back. Use separate savings pots for the cost and emergencies. Stress-test your budget with an awkward month: add a repair, high bills, or lost pay. Can you still cover both? If so, your plan works