Free Cash Fund Value


Free Cash Fund Value: £4,556 (+£212 ; +4.9%)

Investment AllocationAmount DeployedCurrent ValueDiff% Diff
IFISA (60%) £3,245 £3,443 +£198+6.1%
S&S ISA (30%) £1,625 £1,673 +£48+3.0%
Cash Reserves (10%) £430 £157 -£273
Not Deployed£44£44
Total £5,344 £5,274+£70
Liabilities (Credit Card Balance Transfer)-£1,000-£761+£239
Net Value£4,344 £4,556 +£212+4.9%
IFISA Value August 2022
S&S ISA Value August 2022

Free Money Investment Allocation

60% IFISA ; 30% Stocks & Shares ISA ; 10% Cash Reserves

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August 2022 Free Money Earnings Deployment

Capital not deployed from previous month£11
August 2022 Free Money Earnings £33
Total Capital available for deployment£11 + £33 = £44
Investment Allocation£0 IFISA ; £0 S&S ISA ; £0 Cash Reserves ; £44 Not Deployed

Cash Reserves Pot Cash Flows

MonthPrevious BalanceCash EarningsPaymentsNet Value
October 2021 £240 +£50 -£28 £262
November 2021 £262 +£10 -£28 £244
December 2021 £244 +£20 -£27 £237
January 2022 £237 +£10 -£26 £221
February 2022 £221 +£20 -£26 £215
March 2022 £215 +£10 -£25 £201
April 2022 £201 +£10 £24 £187
May 2022 £187 +£40 £23 £203
June 2022 £203 +£10 £23 £190
July 2022 £190+£10£22£178
August 2022 £178+£0£22£157

Liabilities: £761

Barclaycard 24 Month Balance Transfer Offer

£1,000 for 24 months 0% Balance Transfer until 1st September 2023

Balance Transfer fee: 3.4% ; Minimum repayments: 2.75% of the outstanding balance

To learn more about How to make free money from credit cards and full details click here

Repayment Plan
MonthOutstandingPaymentAccumulative
1 – September 2021 £1,034  
2 – October 2021 £1,006 £28 £28
3 – November 2021 £978 £28 £56
4 – December 2021 £951 £27 £83
5 – January 2022 £925 £26 £109
6 – February 2022 £899 £25 £135
7 – March 2022 £875 £25 £159
8 – April 2022 £851 £24 £183
9 – May 2022 £827 £23 £207
10 – June 2022 £804 £23 £229
11 – July 2022 £782 £22 £252
12 – August 2022 £761 £22 £273
13 – September 2022 £740 £21 £294
14 – October 2022 £720 £20 £314
15 – November 2022 £700 £20 £334
16 – December 2022 £681 £19 £353
17 – January 2023 £662 £19 £372
18 – February 2023 £644 £18 £390
19 – March 2023 £626 £18 £408
20 – April 2023 £609 £17 £425
21 – May 2023 £592 £17 £442
22 – June 2023 £576 £16 £458
23 – July 2023 £560 £16 £474
24 – August 2023 £544 £15 £490

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