Free Cash Fund Value: £4,556 (+£212 ; +4.9%)
| Investment Allocation | Amount Deployed | Current Value | Diff | % Diff |
| IFISA (60%) | £3,245 | £3,443 | +£198 | +6.1% |
| S&S ISA (30%) | £1,625 | £1,673 | +£48 | +3.0% |
| Cash Reserves (10%) | £430 | £157 | -£273 | |
| Not Deployed | £44 | £44 | ||
| Total | £5,344 | £5,274 | +£70 | |
| Liabilities (Credit Card Balance Transfer) | -£1,000 | -£761 | +£239 | |
| Net Value | £4,344 | £4,556 | +£212 | +4.9% |
Free Money Investment Allocation
60% IFISA ; 30% Stocks & Shares ISA ; 10% Cash Reserves
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August 2022 Free Money Earnings Deployment
| Capital not deployed from previous month | £11 |
| August 2022 Free Money Earnings | £33 |
| Total Capital available for deployment | £11 + £33 = £44 |
| Investment Allocation | £0 IFISA ; £0 S&S ISA ; £0 Cash Reserves ; £44 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 |
Liabilities: £761
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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| 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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