Free Cash Fund Value


Free Cash Fund Value: £6,421 (+£304 ; +5.0%)

Investment AllocationAmount DeployedCurrent ValueDiff% 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%
CrowdProperty IFISA Value April 2023

Moneybox Stocks & Shares ISA Value April 2023

Scottish Friendly Stocks & Shares ISA Value April 2023

Barclays Cash ISA Value April 2023

Free Money Investment Allocation

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

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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

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

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
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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