Free Cash Fund Value: £7,446 (+£444 ; +5.9%)
| Investment Allocation | Amount Deployed | Current Value | Diff | % 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 Portfolio | Value |
| 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 Flows | Previous Month | Current Month | Diff | Source |
| 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
| 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 |
| 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
| Month | Outstanding | Payment | Accumulative |
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