Free Cash Fund Value: £6,421 (+£304 ; +5.0%)
| Investment Allocation | Amount Deployed | Current Value | Diff | % Diff |
| IFISA | £2,825 | £3,171 | +£346 | +12.2% |
| Cash ISA (60%) | £1,500 | £1,500 | ||
| S&S ISA (30%) | £2,165 | £2,157 | -£8 | -0.4% |
| Cash Reserves (10%) | £610 | £167 | -£443 | |
| Not Deployed | £17 | £17 | ||
| Total | £7,117 | £7,012 | -£105 | |
| Liabilities (Credit Card Balance Transfer) | -£1,000 | -£591 | +£409 | |
| Net Value | £6,117 | £6,421 | +£304 | +5.0% |
Free Money Investment Allocation
60% Cash ISA ; 30% Stocks & Shares ISA ; 10% Cash Reserves
Click here for Investment Strategy
April 2023 Free Money Earnings Deployment
| Capital not deployed from previous month | £6 |
| April 2023 Free Money Earnings | £211 |
| Total Capital available for deployment | £6 + £211 = £217 |
| Investment Allocation | £120 Cash ISA ; £60 S&S ISA ; £20 Cash Reserves ; £17 Not Deployed |
Cash Reserves Pot Cash Flows
| Month | Previous Balance | Cash Earnings | Payments | Net 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 |
Liabilities: £591
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
| Month | Outstanding | Payment | Accumulative |
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| 22 – June 2023 | £576 | £16 | £458 |
| 23 – July 2023 | £560 | £16 | £474 |
| 24 – August 2023 | £544 | £15 | £490 |
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