Free Cash Fund Value: £3,406 (+£177 ; +5.5%)
| Investment Allocation | Amount Deployed | Current Value | Diff | % Diff |
| IFISA (60%) | £2,585 | £2,702 | +£117 | 4.5% |
| S&S ISA (30%) | £1,295 | £1,389 | +£94 | 7.3% |
| Cash Reserves (10%) | £320 | £237 | -£83 | |
| Not Deployed | £29 | £29 | ||
| Total | £4,229 | £4,357 | +£128 | |
| Liabilities (Credit Card Balance Transfer) | -£1,000 | -£951 | +£49 | |
| Net Value | £3,229 | £3,406 | +£177 | +5.5% |
Free Money Investment Allocation
60% IFISA ; 30% Stocks & Shares ISA ; 10% Cash Reserves
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December 2021 Free Money Earnings Deployment
| Capital not deployed from previous month | £2 |
| December 2021 Free Money Earnings | £137 |
| Total Capital available for deployment | £2 + £137 = £139 |
| Investment Allocation | £60 IFISA ; £30 S&S ISA ; £20 Cash Reserves ; £29 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 |
Liabilities: £951
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 |
| | |||
| | | ||
| | | ||
| £951 | | | |
| 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 | £805 | £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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