Free Cash Fund Value


Free Cash Fund Value: £7,446 (+£444 ; +5.9%)

Investment AllocationAmount DeployedCurrent ValueDiff% Diff
IFISA £1,715 £2,113 +£398+23.2%
Cash ISA (60%)£2,640£2,685+£45+1.7%
S&S ISA (30%) £2,435 £2,436 +£1+0.0%
Cash Reserves (10%) £700 £210 -£490
Not Deployed£2£2
Total £7,492 £7,446-£46
Liabilities (Credit Card Balance Transfer Repayments)-£490+£490
Net Value£7,002 £7,446 +£444+5.9%

Investment PortfolioValue
Barclays Cash ISA£2,685
CrowdProperty IFISA£2,113
Foresters Stocks & Shares ISA£1,740
Moneybox Stocks & Shares ISA£449
Scottish Friendly Stocks & Shares ISA£247
Cash Reserves£210
Not Deployed£2
Fund Value£7,446


Free Money Investment Allocation

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

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November 2023 Free Money Earnings Deployment

Capital not deployed from previous month£40
November 2023 Free Money Earnings £62
Total Capital available for deployment£102
Investment Allocation£60 Cash ISA ; £30 S&S ISA ; £10 Cash Reserves ;
£2 Not Deployed
Investment Allocation FlowsPrevious MonthCurrent MonthDiffSource
IFISA £1,915 £1,715 -£200-£200 to Cash ISA
Cash ISA (60%)£2,380£2,640+£260+£200 from IFISA ; +£60 Earnings
S&S ISA (30%) £2,405 £2,435 +£30+£30 Earnings
Cash Reserves (10%) £690 £700 +£10+£10 Earnings
Not Deployed£40£2

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
September 2022£157+£30£21£166
October 2022£166+£20 £20£166
November 2022£166+£30 £20£176
December 2022£176 £19£157
January 2023£157+£10£19£148
February 2023£148 £18£130
March 2023£130+£20£18£132
April 2023£132 +£50£17£164
May 2023£164+£20£17£167
June 2023£167+£10£17£160
July 2023£160+£10£15£155
August 2023£155+£40£15£180

Liabilities: -£ (Paid off September 2023)

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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