So if you've got your monthly budget in place, I hope you've got a part of that budget stocking away cash into a savings account.
My financial budget requires me to have atleast six months of living expenses stashed away as cash in an emergency fund and another two to three months of cash in my checking account for occasional one time expenses (such as lump sum insurance payments, an unexpected expensive car maintenance service, charity, gifts, living expenses etc). When you have a family, you want to be prepared.