Free Cash Fund Value


Free Cash Fund Value: £3,406 (+£177 ; +5.5%)

Free Cash Fund Value Pie Chart
Investment AllocationAmount DeployedCurrent ValueDiff% Diff
IFISA (60%) £2,585 £2,702 +£1174.5%
S&S ISA (30%) £1,295 £1,389 +£947.3%
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%
IFISA Value December 2021
Stocks & Shares ISA Value December 2021

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

MonthPrevious BalanceCash EarningsPaymentsNet 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

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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 £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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