REGISTERED COMPANY NUMBER: 4141854 (England and Wales)
REGISTERED CHARITY NUMBER: 1115564
Re
ort of the Trust
es
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Unaudited Financial Statements for the Year Ended 31 March 2024
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Report of the Trustees
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Independent Examinerfs Report
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statement of Financial Activities
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Balance Sheet
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Cash Flow Statement
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Notes to the Cash Flow Ststement
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Notes to the Financial Ststements
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Detailed Ststement of Financial Activities
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Swindon & Dislrict Citizens Advice Bureau
Report oftheTrustees for the Year Ended 31 March 2024
The trustees who a￿ also directors of the charty for the purposes of the Companies Act 2006, present their
report with the financial statements of the charity for the year ended 31 March 2024. The trustees have adopted
the provisions of Accounting and Reporting by Charits'es: Statement of Recommended Practice applicable to
charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK
and Republic of Ireland {FRS 102) (effective 1 January 2019).
REFERENCE AND ADMINISTRATIVE DETAILS
Registered Company numb•T
4141854 (England and Wales)
Reg18t•rod Charity number
1115564
Registered offlce
1 Sanford Street
Swindon
Wiltshire
SN1 1QH
Trustees
MBOX
A Bennett
C Gannicott
D Langley
P Gilvin
J Bassi Singh
S Warren
M Howard
Chalr
Vice Chair
(Resigned Dec 23
Company Secretary
C Newport
Senlor L•ad•rshlp Team
Claire Newport - Chief Executlve
Claire Salvage- Advice Service Manager
Lucija Maclntosh - Training & Quality Manager
Independent Examln•r
Chris Vaughan
Accountants
195 Ermin Street
Swindon
Wiltshire
SN3 4NA
Advlsern
Bank•r8
Lloyds Bank PLC
5 High Streel
Swindon
Wiltshire
CCLA
St Alphanage House
2 Fore Street
London

Swindon & District Citizens Advice Bureau
Report ofthe Trustees for the Year Ended 31 March 2024
STRUCTURE, GOVERNANCE AND MANAGEMENT
Governlng documont
The charity is controlled by its governing document, a deed of trust, and constitutes a limited
company, limited by guarantee. as defined by the Companies Act 2006.
Swindon & District Citizens Advice Bureau (Citizens Advice Swindon) is a charitable company.
limited by guarantee. The charitable company was established under Memorandum of Association,
which sets out the objects and powers of the charitable company and is governed under its Articles
of Association.
Swindon & District Citizens Advice Bureau is a member of Cilizens Advice, the National Association
of Citizens Advice Bureaux. As the membership body Crtizens Advice formally audits and monitors
quality and managemenl processes within the local office.
None of the trustees has any beneficial interest in the company. All of the trustees are members of
the
company and guarantee to contribute £1 in the event of a winding up.
Recruilment and appointment of trustees
Our aim is to ensure that the needs of our clients are appropriately reflected through the diversity of
the trustee body and to enhance the potential pool of truslees, the charity seeks to identify potential
r￿W trustees relevant to the nature of its work.
A broad range of skills and expertise are represented on the Management Committee which include
Business, Local Government, social care, financial services and legal skills. Each year the committee
undertakes a skills audit which enables the identification of training & development opportunilies and
any skills gaps. In the event of particular skills being lost due to retirements or where gaps in skills
are identified, individuals may be approached for co-option mid-year if it is felt they match the
required needs of the bureau.
11 is acknowledged that the Good Govemance Code recommends trustees usually serve no more
than9 years. We have one Trustee who has a longer length of service but after a thorough review
(e.g.Trustee Board skills audit, attendance, contribution to the charity's strategic goals, etc.) they
have beenasked to stay on the Board because of their specialist knowledge of. Local Government,
Social Care and Equality & Diversity.
The Trustees aré committed to pursuing the recruitment of new trustees next year aiming to actively
recruit trustees with Specialist Legal knowledge and fundraising expertise, as well as targeting
recruitment wtthin under represented communities.
Induction and trainlng of new trustses
All new Trustees undergo a period of induction, this consists of being briefed on their legal obligations
under charty and company law, the content of the Memorandum and Articles of Association,
attending trustee board meetings, meeting with the Chief Executive and Chair of Trustees and
shadowing advice sessions. Annual Iraining records are kept for all trustees which includes a record
of any training undertaken outside of the organisation which is relevant to their role.
Organisational structure
Swindon & District Citizens Advice Bureau currently has a managernent committee 6 trustees who

Swindon & District Citizens Advice Bureau
Report of the Trusteesforthe Year Ended 31 March 2024
meet a minimum of six times a year and are responsible for the strategic direction and policy of the
charity. Other than for 'Confidential' agenda items. the Senior Management Team attends board
meetings as does a representative of the Volunteers. All are encouraged to take a full part in the
board's discussions before trustees reach their decisions.
The Trustees delegate to the Chief Executive the day to day responsibility for the strategic, financial
and operational management of the servi￿, including supervision of the management team.
Rlsk Management
The trustees review the main risks to the charity as part of its annual business planning process, this
identifies the current constraints and potential risks to current and future service delivery.
A risk register is kept under review throughout the year to ensure appropriate controls are in pla
to provide reasonable mitigation and assurance against identified issues. The trustees review risk
against the following categories:
(i) Finance
{ii) Governance
(iii) Managemenl
(iv) Staffing
(v) Service Delivery
(vi) Stakeholder relationships
(viii) ICTISystems
(ix) EDI
(x) Infomiation assuran
The main risks identified and the actions proposed to mitigale these are:
A. Malntalnlng Èurrent flnanclal stablllty Although the current financial position is strong, the
outlook over future years is less certain. We will priorilise influencing stakeholders and funders
to continue funding priority seNices. We will work in partnership wilh S8C and the ICB to look at
new opportunities to meet demand.
B. Inability to maintain service delivery levels at current level due to flat rate funding with no
inflationary increase built into 7-year contract - We will seek funding opportunilies to
complement our CO￿ delivery and build reserves to help with short temi funding gaps
C. Ability to pay salaries that attract and retain talent within the workforce. We will review our
employment offer to staff and look at alternative ways to reward slaff.
D. Increaslng demand for our Service - Rising demand means that we need to build our adviser
and caseworker capacity. We will priorilise growing our workforce and concentrate on Iraining
and retention
E. Reputational damage through rfsks relating to the handling of infomiation
risks are
regularly reviewed and policies updated and communicated. All staff undergo annual Data
Protection training.
Factors that are likely to affect the financial perfonnance or position in 2024125 and further years:
The Service is reliant on core funding from the public sector which is subject to volatile and
uncertain economic conditions.
An increase in competition in an ever-changing VCSE marketplace - as funding becomes
ever harder to access, the sector we operate in is becoming more competitive as a result
The political environment is changing. however the impact of key national developments and
priorities in the face of shrinking budgets is still very much an 'unknown quantity, but has the
potential to impact on both our ability to deliver and meet demand for services.
The trustees continue to regularly monitor all funding agreements and contracts to ensure thal the
individual terms of each funding provider are met.

Swindon & District Citizens Advice Bureau
Report of the Trustees for the Year Ended 31 March 2024
All policies and procedures are regularly reviewed by the trustees to ensure that they continue to
meet the needs of the charily.
In addition to the above the charty is involved in an area of voluntary service in which it is essential,
for the protection of those served by the charity, for employees to be properly assessed in order to
minimise risk both to the charity's beneficiaries and the employees themselves. For this reason,
before any prospective employee is engaged by the charity, comprehensive checks will be
conducted by way of reference to the Disclosure and Barring Service if appropriate, previous
references and an induction programme.
Infomiation Assurance
The trustee board oversee the information security of all personal information of our clients, staff,
funders and slralegic partners that is processed. Swindon & District Citizens Advice hold joint
responsibility for client data that is held in our case management system, with the national Citizens
Advice Service. An information assurance management team exists to ensure the confidentiality,
integrity and availability of all personal and sensitive dala is maintained to a level which is compliant
with the requirements the General Data Protection Regulation and Data Protection Act 2018.
OBJECTIVES AND ACTIVITIES
Objectives and aims
The Charity's objects are to prornote any charitable purpose for the public benefit by the
advancement of education, the protection and preservation of health and the relief of poverty,
sickness and distress in particular, but without limitation, for Ihe benefit of the community in Swindon
and surrounding areas.
The aims of our charity are:
- To provide the advice people need for the problems they face, and
To improve the poliGies and practices that affect their lives.
We do this through the provision of free, confidential, impartial and independent advice to anybody
who needs us. We promote diversity and equality, and challenge discrimination
Strategic Priorities
We operate at the heart of the local voluntary sector and aim to lead the local sector in advice
provision.
We use our local knowledge to campaign on big issues, both locally and nationally. So one way or
another, we are helping everyone- not just those we support directly.
We take care to properly understand what our communities in Swindon need from their local advice
service and are continually looking for ways to improve and adapt our service to fit with those needs.
This is a challenge at a time when the financial climate is uncertain both for the sector we operate in
and our clients. Funders are having to make very difficult spending decisions which impact on the
availability of services and support.
Managing expectations in a difficult financial climate is paramount to the successful delivery of our
seNice to the most vulnerable in society.

Swindon & District Citizens Advice Bureau
Report of the Trustees lor the Year Ended 31 March 2024
Public benefit
The Citizens Advice seNice provides help whoever you are, whatever the problem. We provide
advi￿, specialist casework and information face-to-face advice, on the telephone. by email and via
www.citizensadvice.org.uk. We also campaign locally and nationally for improvements to services
and the law. We use the evidence we collect from helping our clients to make a difference for people
who may never come to a Citizens Advice office by communicating our evidence for change to
policymakers in government and the wider public and private sector. A visit to a Citizens Advice local
office for one person could lead to a change in policy or law that will posilively affect the lives of
many more.
Our generalist advice service, funded through a contract with Swindon Borough Council, remains
our "core" activity offering an essential Servi￿ to the diverse communities and individuals who live
in Swindon and the surrounding area. Citizens Advice is nationally recognised as a place where if
you have a problem of any kind help will be provided. This is a great strength for us and a challenge
in being able to ensure access lo everyone who needs our help.
Through our work we aim to reduce poverty and improve the general wellbeing of its clients. We
contribute to the local economy through encouraging and assisting in the take up of welfare benefits
and working with clients to manage their debt.
Achlevements and performance
Through the hard work and commitment of our 29 paid staff and 47 volunteers we provided a core
generalist advice service alongside a range of specialisl advice projects, The provision of holistic
advice allows us to cover a range of topics which predominantly includes;
Welfare Benefils
Debt and Money matters
Housing
Employment
Immigration and Nationality
Family and Personal
Consumer
Discrimination
Health and Social Cafe
utilities and Energy
Advlce and Infomiatlon Servlcos
The main areas of charitable activity are:
the provision of general advice and information services.
the provision of specialist advi￿ and casework services in the debt and welfare benefits;
the provision of our Advice & Financial First Aid service, delivering Financial Capability
training to groups and individuals;
Throughout the year we have continued to offer a multi-channel advice service, over the phone, by
email and in person.
During 202314 our projects and specialist advice offer included:
Income Maximisation, debt and budgeting advice, training and outreach through our Advice
& Financial first Aid Project funded by Swindon Borough Council at the ICB Heatth
Inequalities Fund
Debt advice funded through the Money Advice Service
Specialist Debt advice for the most vulnerable clients and those facin9 homelessness
funded by Swindon Borough Council
Specialist Benefits advice mainly focussing on disability benefrt appeals through our
Swindon Borough CouncilllCB funding
Specialist Debt and Energy Advice funded by British Gas Energy Trust Supporting
Communities at Risk programme, alongside a further Energy project funded by Citizens
Advice

Swindon & District Citizens Advice Bureau
Report ofthe Trustees forthe Year Ended 31 March 2024
Specialist Benefits Advice targeted Disability Benefits and Appeals
Specialist Benefits advice for people affected by cancer funded by Macmillan
Specialist Benefits advice funded through the Wiltshire & Swindon Community
Foundation's Surviving Winter grant stream
This year we have continued to develop our strong partnerships with both statutory and voluntary
seclor agencies to help meet the rising demand for advice.
Our commitment to the recruitment, training and development of our volunteer workforce has
continued.
A key-element of the Citizens Advice Membership Scheme is the requirement of every member lo
undertake an annual Léadership Self-Assessment of Govemance; (LSA) covering the following nine
Strategic business planning.
Risk management.
o Financial management;
People management;
Operational perfomiance management;
Partnership working.
Research and campaigning;
Equality leadership
The assessment is approved by the National Citizens Advice service and any development
outcomes are agreed in partnership. Every three years this assessment is verified through a site
visit. Again this year we were rated 'Green' meaning we achieved excellent scores in the
Performance Quality Framework. The LSA aligns wilh external standards, compliance also indicates
compliance with the requirements of the Advice Quality Standard (AQS) and Money Advice Service
(MAS) debt quality framework.
We also continue to hold the Advice Quality Standard Mark with casework accreditation in Debt,
Benefits and Disability.
Who used and benefited from our Services
During 2023124 we helped 8,371 benefited from the services of Citizens Advice Swindon
generating 38,918 contacts (2022123: 34,080).
We support people on any issue that they may face. Of the 36,415 (2022123: 29,595). issues
people sought advice about, our most common enquiry areas are welfare benefrts and tax
credits and debt advice which makes up 420h of all enquiries.
570k of clients were female. 590/0 of clients had a disability or a long-term health condition. 340
were members of a racially minoritised groups. Clients of all ages used the service, the
youngest being under 18, the oldest being in their 90s.
We helped 1,421 vulnerable households to successfully apply for charrtable granls for essential
household items (e.g. cooker, ovens, bedding, etc.), fuel or food vouchers (2022123.. 905)
In total the sep4ice negotiated on £8.6mllllon worth of debt (2022123.. £5.7 million),
rescheduling, reducing or getting debt written off to make peoples, lives more sustainable. Thé
service generated a total of £6.9 million (2021122: £6.2 million) in addrtional incorne for clients,
through our income maximisation work.

Swindon & District Citizens Advice Bureau
Report of the Trustees for the Year Ended 31 March 2024
A comparison of our client profile to the general population of Swindon shows that the clients we
help locally are more likely to..
live on a low income
be disabled or have a long-term health condition
be from diverse backgrounds
be at risk of fuel poverty
live in rented accommodation
be economically inactive
live in areas with higher levels of disadvantage or deprivation
Case Study
Background
Mike has a 9 year old son with a chronic health condition that requires hospital treatment. He is his son's sole
carer. He is unable to work due to an injury he sustained some years ago.
Mike attended one of our outreach sessions for advice, he told us he was struggling financially and spent the
last of his money on bus fare to take his son to a hospital appointment. He said he was desperate,
overwhelmed and felt he was letting his son down.
Mike told us he was struggling to afford their essential costs such as Iheir energy, council tax and food.
Challenges face by Mike
Deficit Budget: After paying all of his essential costs eg. Council tax, energy and food, Mike had a deficit of
£87 per month.
Debts: His deficit budget meant that each month he was getting further into debt, he had missed his last
Council Tax payment, had a £680 debt to Thames Water and credil card debt of over £4,000.
Self41isconnected: In order to stop using Gas in his home and avoid further debt, he had chosen to self-
disconnect by no longer topping up his pre-payment meter. This meant that during the winter months his
home was cold, and he and his son were wrapping up in blankets to keep wam.
Broken Washing Machine and Fridge Freezer: Back in the summer Mike's washing machine had broken.
He was relying on help from neighbours and hand washing. He also lold us that his freezer was no longer
working properly but he could not afford to replace it.
Help provided by Citizens Advice Swindon
Emergency Support: The first thing we did was give Mike a fuel voucher to top up his Gas meter and a food
voucher for immediate support. Due to the health conditions within the family home, Mike was also eligible for
a Surviving Winter Grant of £200. We also referred him to SBC for a Household Support Voucher of £150 for
him to use to purchase food. and help alleviate the financial pressures he was facing.
Benefits Advlce and Casework: We then carried out a Benefils Check. We identified that he was eligible to
apply for additional elements of Universal Credrt and was entitled to Council Tax Support. We helped him
make contact with the DWP and complete a UC50 to apply for Limited Capability for Work Related Activity
due to his disability. We also helped him apply to Swindon Borough Council for Council Tax Reduction. In
total we identified increases to Mike's annual income of £7,404.
We went through the criteria and ascertained Mike would probably be eligible for Personal Independence
Payment (pip) to help with the cost of his own ongoing health and care needs. Our caseworker helped
complete the forms and Mike was awarded PIP, a further income increase of £5.270 per year.
In total we assisted Mike to Inc￿aSe his income by £12,674 per year.
We are now working with Mike to submit a Child DLA claim for his son.

Swindon & District Citizens Advice Bureau
Report of the Trustees forthe Year Ended 31 March 2024
Replacement Whlte Goods: While Mike waited for decisions on his benefits claims we helped him to access
a free washing machine, fridgel freezer and a wardrobe by making a referral to Kennet Furniture
Refurbishment.
Debt Advice: We contacted Mike's creditors and let them know he was working with us, they agreed to
freeze the interest on his Credit Card debt. We negotiated more affordable payments to clear his debts,
having resolved his negative budget with his additional benefits income.
Outcomes and Impact:
Immediate Relief: The food and energy vouchers alongside the grants and White goods referral meant Mike
could turn his gas on for the first time in 3 months, he could cook a nutritious meal for him and his son, and for
the first time in months he said he had a full nights sleep as we had helped alleviate his immediate financial
stress.
Restoratlon of selfvOSteem and prlde: Mike no longer had to rely on his neighbours to wash his son's
school unifomi.
Improved Mental Well-being: Mike reported feeling much less overwhelmed and more optimistic about the
future.
Increased income: For the first time in over a year Mike no longer has a deficit budget, he can afft>rd healthy
food and he has paid for his son to join the local kickboxing club which is helping him to increase his
confidence and menlal health.
Affordable Debt repayments: Mike now has a plan to pay off his debts, he feels confident that he can now
stick to his budget.
The Impact we made in 2023124
It is impossible to put a financial value on everything we do - but where we can, we have. We have used a
Treasury-approved model to do this. From our management infonnalion, we have also separately considered
the financial benefits to the people we help.
For every £1 invested in our service in 202312024, we generated:
£11.32 in value to the people we helped. We helped individual clients to achieve individual financial
outcomes like getting back-dated benefits, writing-off debts and gaining refunds for consumer issues.
Total for this year £10,072,460
£2.91 in savings to government. By helping to reduce payments for out-of-work benefrts, eviction ￿-
housing evicted tenants and less demand on the NHS, it's eslimated that this year we saved local and
national government over £2,587,950
£19.25 in public value. When people have fewer problems, they have higher levels of well-being
participation in society and productivity. Our calculation also includes the value of a volunteering in the
service. Total public value for this year.. £17,132,052
Our value to Individuals
We know that problems do not happen in isolation and can have severe consequences. Solving them can
stop situations from escalating and help people regain control of their finances or other aspects of their lives.
After re￿Iving support from us through a difficult time, people often report improvements to their physical
heafth and mental well-being too.
8 in 10 people said they felt less stressed, depressed or anxious after our advice
6 in 10 people said they felt their physical health had improved following seeking advice from us
9 in 10 people said we "helped them find a way forward"
8 in 10 people said we "resolved their problems"
Ouf value to the community
If left unsolved, problems do not just affect individuals and their families or friends -they affect the wider

Swindon & Dislrict Citizens Advice Bureau
Report of the Trustees for the Year Ended 31 March 2024
communty too. By helping to solve them, our work creates considerable value to society. With our unique
insight into the challenges people face today, we are able to advocate for changes to national & local
government policy, and industry practices to make things better for everyone.
Contribution of our Volunteers
Our dedicated leam of volunteers are the lffeblood of the organisation. The value of volunteering in
terms of activities and improved outcomes is quantified in the following table.
Value of actlvltles and Im
Value of time donated
roved outcomes
Value {£)
Stakeholder
Local Citizens Advice
office
Volunteering time
Skill develo
ment and employability
342,054
Gainin
em
ment more
uickl
Receiving a higher wage due to being more
skilled
Health and wellbein
16,674
Econom
1,246
Econom
Increased life satisfaction
64,828
Volunteers
Improved mental health
24,555
NHS
TOTAL
449.356
Financlal revlew
We have continued to focus on ensuring sound financial management and sustainable decision
making in order to deliver our strategic objectives, and that of our funders. We work hard to deliver
a cost-effective service thal meets the needs of our local communities. This has continued to be a
challenge as demand for our service outstrips supply. The charity has benefitted from a number of
additional funding streams and new projects to further enhance Ihe secure financial position that has
been built up in recent years. However, the trustees are aware that the external commissioning
environment could result in a ￿dUctIon in funding in 2025 and beyond, so contingency planning is
taking place, with scenario planning being undertaken to ensure the charity has financial resilience
built in.
One of our main challenges this year has been ensuring we are able to pay our staff a competitive
salary to help mainlain our current expertise and experience. This year we have carried out a full
review of our pay scales having benchmarked against offices in the South-west with a similar income
stream. As a minimum we have aligned our pay scales with the median salaries in South-west LCA.
We also ensured that all staff will be paid the National Living Wage as a minimum from April 2024.
High inflation and general cost of living rises this year hit the pockets of our clients, staff and the
organisation. Our core funding from Swindon Borough Council has had no inflationary inC￿aSe since
2014 which has effectively resulted in a 340/0 reduction in this funding over the years. However, we
work closely with our commissioners and have been shielded from rises to a degree as we do not

Swindon & Dislrict Citizens Advice Bureau
Report of the Trustees forthe Year Ended 31 March 2024
pay premises charges at Sanford House as part of our contract. We have also secured a 2.3%
increase in SBC funding for 2024125.
During this reporting period we benefited from increases in project funding which allowed us lo grow
our Advice & Financial First Aid team. In particular new funding from BSW ICB Health Inequalities
fund has helped us expand the project to tackle some of the wider determinants of Health Inequality
such as poor housing and money worries.
In this reporting period, the charity had a surplus of £60,530, however this surplus is in restricted
funds relating mainly to unfilled posts and DROIBankruptcy fees which will be carried into next year
so that we can continue existing Servi￿ delivery.
At the year end the charity's total funds sland at £695,488 of which £258,861 is restricted and
£436,627 is unrestricted. Of the unrestricted funds, £115,000 has been allocated for contingencies
should the need arise (e.g. contractual commitments, etc.
The trustees extend their gratitude to all of our funders, including Swindon Borough Council and
BSW ICB who continue to support the core operating capacity of the charity through our current
commissioned contract. Project specific funding was gratefully received from Swindon Borough
Council Revenues and Benefits Department to continue and expand our AFFA income maximisation
and prevention project. As previously mentioned, further funding to extend this was also received
from the BSW ICB Health Inequalities fund.
Funding from the British Gas Trust Fund has meant we can expand our work in the field of energy
and debt advice, helping us to meet client need in this growing area of concem. This year we
received increased funding from Wiltshire and Swindon Community Foundation under the Surviving
Winter fund which enabled us to support clients with one off energy payments and income
maximisation advice. Also this year our Macmillan project went from strength to strength with
additional funding secured for a further full time caseworker to support people affected by cancer
with benefrts and financial worries.
The majority of our specialist debt casework continues to be funded by the Money and Pensions
Service through which we are able to provide much needed face to face debt advice and support.
Investment policy and objectives
The seNice's excess funds have historically been held in the COIF Charities Deposit Fund. The
current account is regularly reviewed and any funds not needed in the short term are invested in the
COIF fund.
Reserves policy
This reserves policy is monitored and reviewed by the trustees annually
The trustees have determined to retain 3 months of operating costs in reserves to meet
unexpected events (such as a significant loss of funding). The amount of reserves is calculated from
the annual budget and amounts to £241,240.
The calculation of reserves is after designating funds for the following purposes:
Redundancy Liabilities. These are calculated in March each year as the cost of redundancy
liabilities for all staff as at the end of the new financial year. We have designated £134,163 for this
fund.
10

Swindon & District Citizens Advice Bureau
Report ofthe Trustees for the Year Ended 31 March 2024
Service Demand Fund. Demand on our service at this time has risen continuously over the past 12
months. The service is operating at full capacity. It is also operating a loss due to insufficient core
funding and reduction in some project funding, however, maintaining service is vital at this time, not
only for clients of the generalist service but also for referrals to our existing projects. These funds
come from restricted reserves accrued through savings made in previous years. We have designated
£101.850 for Ihis fund in 2024125. This will be reviewed in 2024125 looking for ways to make the core
service more efficient.
Restricted reserves
Funds that are restricted by the donor or funder are listed within the accounts and cannot be used
for the general purposes of the charity. Their existence, and the sums of money therein, do nol imply
that there has been an underspend but may result from a variety of circumstances including timing
differences between the organisation's financial year and the funding year of the project concerned.
Future plans
The Trustees have a
reed
riorities for 2024125 in line with the strate
ectives"
Advlce
Advocacy
•We will increase the effectiveness and efficiency
of advice-giving processes to enable advisers to
support more clients, whilst still providing a quality
service.
• We will protect and. where possible, increase
the 'supply' of 1-1 advice provision available
within Swindon, to enable more clients lo access
good qualily advice
We will Maintain the provision of good quality
advice
We will improve the accessibility of our seNice
for marginalised clients
We will be the voice of our clients and potential
clients. especially those who are most vulnerable and
marginalised.
•We will further position ourselves as the leading
organisation for bringing front-line insights into local
policy making
Culture
Organisatlonal Health
To be a collaborative. innovative and a high
performing service that promotes equality.
diversity and inclusion. and challenges
discrimination.
To value our staff teams and be a highly
recommended place to work and volunteer
• Maintain excellent exlemal ￿latIOnShipS to ensure
best outcomes for our clients and safeguard the
future of our service
Continue to develop all staff to the highest level of
expertise and ensure continued recruitment, training
and development. of volunteers
These objectives are measured and rnonilored on a quarterly basis using SMART objectives detailed
in the action plan.
In line with these objectives we are committed to seeking funding to enable us to maintain and
expand our Advice & Financial First Aid project as the fronlline response to crisis prevention by
11

Swlndon & Districl Cltlzens Advice 8ureau
Report of the Trustees for the Year Ended 31 March 2024
helping people maximise income, reduce expenditure, and ensure those who need advice get it in a
timely manner.
We will also seek opportunities to work with Health professionals to combat the wider determinants
of Health Inequality through the provision of advice, in line with the Marmot report.
We will continue to onboard more volunteers to help meet demand; and invest in Iraining to ensure
the ongoing upskilling of our 8taff and volunteers to meet the challenges of fast changing legislation.
Report of the trustees, incorporating a strategic report, approved by order of the board of trustees,
as the company directors, on 3 July 2024 and signed on the board's behalf by:
M Box - Chair
12

Swindon & District Citizens Advice Bureau
Report of the Trustees for theyear Ended 31 March 2024
Inde
ndent Examinerfs Re
rt to the Twstees of
Swindon & District Citizens Advice Bureau
Independent oxamin•rfs report to th• trustees of Swindon & Dlstrfct Citizens Advice Bureau I'th•
Company.)
I report to the charity trustees on rny examination of the accounts of the Company for the year ended
31 March 2024.
Responsibilitles and basls of report
As the charity's trustees of the Company (and also its directors for the purposes of company law) you are
responsible for the preparation of the accounts in accordance with the requirements of the Companies Act
2006 {'the 2006 Acr).
Having satisfied myself that the accounts of the Company are not required to be audited under Part 16 of the
2006 Act and are eligible for independent examination, I report in respect of my examination of your charity's
accounts as carried out under Section 145 of the Charities Act 2011 {'the 2011 Act,). In carying out my
examination I have followed the Directions given by the Charity Commission under Section 145(5) (b) of the
2011 Act.
Indepèndont •xamlnee8 8tat•m•nt
Since your charity's gross income exceeded £250,000 your examiner must be a rnernber of a listed body. I
can confirm that l am qualified to undertake the examination because l am a member of the Institute of
Chartered Accountants in England and Wales, which is one of the listed bodies.
I have completed my examination. I confirm that no matters have come lo my attention in connection with the
examination giving me cause to believe:
accounting records were not kept in respect of the Company as ￿Uired by Section 386 of the 2006
the accounts do not accord with those records., or
the accounts do not comply with the accounting requirements of Section 396 of the 2006 Act other than
any requirement that the accounts give a true and fair view which is not a matter considered as part of
an independent examination: or
the accounts have not been prepared in accordance with the methods and principles of the Statement
of Recommended Practice for accounting and reporting by charities (applicable to charities preparing
their accounts in accordance with the Financial Reporting Standard applicable in ihe UK and Republic
of Ireland (FRS 102)).
I have no concerns and have come across no other matters in connection with the examination to which
attention should be drawn in this report in order lo enable a proper understsnding of the accounts to be
reached.
Christopher Vaughan
The Institute of Chartered Accountants in England and Wales
Chris Vaughan
Accountants
195 Ermin Street
Swindon
Wiltshire
SN3 4NA
3 July 2024
13

Swindon & DistTlCt Citizens Advice Bureau
Report oftheTrustees for the Year Ended 31 March 2024
Swindon & Di
izen
vi
tatement of Financial Activities
for th Year Ended 31 March 2024
31.3.24
Total
funds
31.3.23
Total
funds
Unrestricted
funds
Restricted
fi]nds
Notes
INCOME AND ENDOWMENTS FROM
Donations and legacies
955.013
955,127
814,255
Other trading activities
Investsnent income
Other income
4.76J
4,761
7,130
7,130
2.556
Total
960 965
968 209
816811
EXPENDITURE ON
Charitable aetlvltles
Advice Services
(9,505)
917.184
907,679
737,173
Other
Total
917 184
907 679
737 291
NET INCOME
Transfers between funds
16,749
43,781
17600)
60,530
79,520
15
Net movement In funds
34,349
26,181
60,530
79,520
RECONCILIATION OF FUNDS
Total funds brought forward
402,278
232.680
634,958
555,438
TOTAL FUNDS CARRIED FORWARD
436 627
258 861
695 488
634 958
14

Swlndon & District Citizens Advice Bureau
Report ofthe Trustees for the Year Ended 31 March 2024
Swindon & District Citizens Advice Bureau
Balance Sheet
31 March 2024
31.3.24
Total
funds
31.3.23
Total
funds
Unrestricted
funds
Restricted
funds
Notes
CURRENT ASSETS
Debtors
Cash at bank and in hand
12
150.341
211024
150,341
67,299
792 002
436 627
436,627
361.365
797.992
859,301
CREDITORS
Amounts falling due within one year
13
(102,504)
(102,504)
(224,343)
NET CURRENT ASSETS
436 627
258 861
695 488
634 958
TOTAL ASSETS LESS CURRENT
LIABILITIES
436,627
258,861
695,488
634,958
NET ASSETS
436 627
258 861
695 488
634 958
FUNDS
Unrestricted funds
Restricted fvnds
15
436,627
258 861
402,278
232 680
TOTAL FUNDS
695 488
634 958
The charitable company is entitled to exemption from audit under Section 477 of the Companies Act 2006 for the year
ended 31 March 2024.
The members have not required the company to obtain an audit of its financial statements for the year ended
31 March 2024 in accordance with Spxlion 476 of th¢ Companies Act 2006.
The trustees acknowledge their responsibilities for
(a)
ensuring that the charitable wrnpany keeps accounting records that comply with Section$ 386 and 387 of the
Companies Act 2006 and
preparing fmancial slalements which 8ive a true and fair view of the state of affairs of the Charitable company as
at the end of each fmancial year and of its surplus or deficit for each flljancial year in accordance with the
requirements of Sections 394 and 395 and which otherwise comply with the requirements of the Companies Act
2006 relating to fuwicial statements, so far as applicable trj the charitable company.
(b)
The financial statements were approved by the Board of Tn￿S and authorised for issue on 3 July 2024 and were signed
on its behalf by:
M Box- Chair
A Bennett- Vice Chair
15

Swindon & District Citizens Advice Bureau
Report of the Trusteesforthe Year Ended 31 March 2024
Swindon & Di
reau
trict
itizen
ice
h Flow Statement
f r th Year Ended 31 March 2024
31.3.24
31.3.23
Notes
Cash flows from operating attivities
Cash generated from operations
171998)
128 682
Net cash (used inyprovided by operating activities
171998)
128 682
Cash Ilows from Inve$tln8 actlvltles
Interest received
Net cash Provid￿ by investing activities
Change in cash and cash equivglents in
the reporting period
Cash and eash equivalents at the
beginning of the reporting period
(164,868)
131,238
751367
620 129
Cash and eash equlvalents at the end of
the reporting perlod
586 499
751367
16

Swindon & Dlstrict Citizens Advice Bureau
Report of the Trustees for the Year Ended 31 March 2024
Swindon & District Citizens Advice
Bureau
Notes to the Cash Flow Statement
r the Year End
31 March 20
RECONCILIATION OF NET INCOME TO NET CASH FLOW FROM OPERATING
ACTIVITIES
31.3.24
31.3.23
Net income for the reportlDg period (as per the Ststement of Finaneial
Activities)
Adjustments for:
Interest received
Increase in debtors
(Decreaseyincrease in creditors
60,530
79,520
(7,130)
(83,042)
142 356
(2,556)
{23,102)
Net eash (used inyprovided by operation$
171998)
128 682
ANALYSIS OF CASH AND CASH EQUIVALENTS
31.3.24
31.3.23
Cash in hand
Notice deposits (less than 3 months)
Overdrafts included in bank loans and overdrafts falling due within one year
16
647,635
61 152)
24
791,978
Tot21 cash and cash equivalents
586 499
751367
ANALYSIS OF CHANGES IN NET FUNDS
At 1.4.23
Cash flow
At 31.3.24
Net cajh
Cash at bank and in hand
Bank overdrafts
792,002
{144,351)
647,651
751367
164 868
586 499
Total
751367
164 868
586 499
17

Swindon & District CitizensAdvice Bureau
Report of the Truslees for the Year Ended 31 March 2024
Swind
Bureau
vi
Notes t the Financial Statemen
for the Year Ended 31 March 20
ACCOUNTING POLICIES
Basis of preparing the financial statements
The fmancial statements of the charitable company, which is a public benefit entity under FRS 102, have been
prepared in accordance with the Charities SORP (FRS 102) 'Accounting and Reporting by Charilies.. Statement
of Recommended Practice applicable to charities preparing their accounts in accordance with the Financial
Reporting Standard applicable in the UK and Republic of Ireland (FRS 102) (effeclive l January 2019}', Financial
Reporting Standard 102 'The Financial Reporting Standard applicable in the UK and Republic of Ireland, and the
Companies Act 2006. The fmancial statements have been prepared under the historical cost convention.
Income
All income is recognised in the Statement of Financial Activities once the charity has entitlement to the funds, it
is probable that the income will be received and the amount can be measured reliably.
Expendlture
Liabilities are recognised as expenditure as soon as there is a leg81 or constructiv¢ obligation committing the
charity to that expenditure, it is probable that a transfer of economi¢ benefits will be r¢quir¢d in settlement and
the amount of the obligation can be measured reliably. Expenditure is accounted for on an accruals basis and has
been classifi¢d undeT headings that aggregate all cost related to the category. Where costs cannot be dirextly
attributed to particular headings they have been allocated to activities on a basis consistent with the use of
r¢sourc¢s.
Grants offered subject to conditions which have not been met at the year end dat¢ ar¢ noted as a commitment but
not accrued as expenditure.
Alloeation and apportionrnent of costs
All costs are allocated between the expenditure categori¢s of the SOFA on a basis designed to reflect the use of
the resource. Costs relating to a particular activity are allocated directly¥ others are apportioned on an appropriate
basis e.8. floor ar¢as> per capita or estimated usa8e.
T*ngible fixed a$$ets
Depreciation 1$ provided at the followin8 annual rates in order to write off each asset over its estimated use￿1 life.
Fixtures and fittings
Computer equiprnenl
330/0 on cost
33Yo on cost
Taxalion
The charity is exempi from corporalion tax on its Charitable activities.
Fund accounting
Unrestricted funds can be used in accordance with the charitable obj¢ctives at the discretion of the trustees.
Restricted funds can only be used for particular restricted purposes within the objects of the charity. Restrictions
arise when specified by the donor or when funds are raised for particular restricted purposes.
Further explanation of the nature and purpose of each fund is included in the notes to the financial statements.
Pension costs and other post-retirement benefits
The charitable company operdtes a defmed contribution pension scheme. Contributions payable to the charitabl¢
ompany's pension scheme are charged to the Statement of Financial Activities in the period to which they relate.
18

Swindon & District Citizens Advice Bureau
Report of the Trustees for the Year Ended 31 March 2024
windon & Di
tri
t Citizens Advi
eFin
forth Y En
cial Statem
nts-
31March2
24
DONATIONS AND LEGACIES
31.3.24
31.3.23
Donations
Grants
Service contracts
114
833,046
121967
275
813,980
955 127
8]4 255
Grants received, included in the above, are as follows:
31.3.24
31.3.23
Oth¢r grants
813980
OTHER TRADING ACTIVITIES
31.3.24
31.3.23
Sales
INVESTMENT INCOME
31.3.24
31.3.23
Deposit account interest
CHARITABLE ACTIVITIES COSTS
Grant
funding of
activities
(see note
Support
¢osts (see
note 7)
Direct
Costs
6)
Totsls
Advice Services
762 706
907 679
GRANTS PAYABLE
31.324
31.3.23
Advice Servirxs
19

Swindon & District Citizens Advice Bureau
Report of the Trustees for the Year Ended 31 March 2024
windon & District Citiz2ns Advice
Notes to the Financial
tatements- Continued
for the Year End
l March 2024
SUPPORT COSTS
Inforniation
lechnolo8y
Governance
Costs
Management
Other
Totsls
Advice Services
250
TRUSTEES, REMUNERATION AND BENEFITS
There were no trustees. r¢muneration or oth¢r benefits for the year ended 31 March 2024 nor for th¢ year end¢d
31 March 2023.
Trustees, expenses
31.3.24
31.3.23
Trustees, expenses
STAFF COSTS
31.3.24
31.3.23
Wages and salaries
Social security costs
Other pension costs
680,510
57,160
579,817
45,477
771458
653 503
The average monthly number of ¢mployees during the year was as follows:
31.3.24
32
31.3.23
24
Advice Workers
Administration
34
29
No employees received emoluments in excess of £60.000.
io.
COMPARATIVES FOR THE STATEMENT OF FINANCIAL ACTIVITIES
Unrestricted
fimds
Restricted
funds
Totsl
fimds
tNCOME AIYD ENDOWMENTS FROM
Donations and legacies
273
813,982
814,255
Investh)ent income
Totsl
813 982
816811
EXPENDITURE ON
Charltable activitie5
20

Swindon & District Citizens Advice Bureau
Report ofthe Trustees for the Year Ended 31 March 2024
Advice Services
737,173
737.173
Other
118
Total
737.291
737.291
21

Swindon & Districtcitizens Advice Bureau
Report of the Trustees for the Year Ended 31 March 2024
Swin
Burea
n & District Citiz£n
Advi
NotCS to the Financial Statements - continued
for the Year Ended 31 March 2024
io.
COMPARATIVES FOR THE STATEMENT OF FINANCIAL ACTIVITIES- continued
Unrestricted
Restrictsd
funds
funds
Totsl
funds
NET INCOME
Transfers between funds
2.829
12 093)
76,691
79.520
Net movement In funds
(9,264)
88,784
79,520
RECONCILIATION OF FUNDS
Total funds brought forward
411,542
143,896
555,438
TOTAL FUNDS CARRIED FORWARD
402 278
232 680
634 958
li.
TANGIBLE FIXED ASSETS
Fixtures
Computer
equipment
fittings
Totals
COST
At l April 2023 and 31 March 2024
DEPRECIATION
Al l April 2023 and 31 Mar¢h 2024
IYET BOOK VALUE
At 31 March 2024
At 31 March 2023
12.
DEBTORS: AMOUNTS FALLI]YG DUE WITHIN ONE YEAR
31.3.24
31.3.23
Trade debtors
Prepayments and accrued income
19.000
150 341
150341
22

Swindon & District Cilizens Advice Bureau
Report of the Trustees forthe Year Ended 31 March 2024
Swindon & District Citizens Advice
Bureau
Notes to the Financial Statements - continued
for the Year Ended 31 March 2024
13.
CREDITORS: AMOUIYTS FALLING DUE WITHIN ONE YEAR
31.3.24
31.3.23
Bank loans and overdrafts (see note 14)
Trade creditors
Social security and other taxes
ArKruals and deferred incorne
A¢¢ru¢d expenses
61,152
6,016
18291
40,635
4,237
179.471
102 504
224 343
14.
LOANS
An analysis of the maturity of loans is given below..
31.3.24
31.3.23
Amounts falling due within one year on demand".
Bank overdrafts
15.
MOVEMENT IN FUNDS
Net
movement
in funds
Transfers
between
funds
At
31.3.24
At 1.4.23
Unreslricled funds
General fund
Designated Fund$
287,057
115 221
16,749
17.600
321,406
115221
402,278
16,749
17.600
436.627
Restricted funds
Masdap
Macmillan
Energy Best Deal
Easl Swindon
Others
Swindon Borough Council
Thames Water
AFFA
British Gas
43,923
(2,015)
(10,331)
16,797
100
28,800
(3,809)
2,949
320
41,908
(10,331)
48,612
31,815
(100)
(24.612)
77,558
61,977
2,871
14,536
81,746
58,168
5,820
14,856
232 680
258 861
TOTAL FUNDS
634 958
695 488
23

Swlndon & District Citizens Advice Bureau
Report of the Trustees for the Year Ended 31 March 2024
Swindon
Bureau
District Citiz£ns Advice
Notes to the Financial
tatements - continued
for the Year Ended 31 M ch 2024
15.
MOVEMENT IN FUNDS- continued
Net movernent in funds, included in the above are as follows:
Incoming
resources
Resources
expended
Movement
in funds
Unrestricled funds
General fund
7.244
9,505
16,749
Restricted funds
Masdap
Macmillan
Energy Best Deal
East Swindon
Others
Swindon Borough Council
Thames Water
AFFA
British G&$
55,901
94,579
35,544
(57,916)
(104.910)
(18,747)
loo
(135.162)
(425,625)
(5,551)
(63,322)
106051)
(2,015)
(10,331)
16,797
loo
28,800
(3,809)
2,949
320
163,962
421,816
8,500
63.642
117021
960 965
TOTAL FUNDS
968 209
907 679
Comparatlves for movement In funds
Net
movement
in funds
Transfers
b¢tw¢en
funds
At
31.3.23
At 1.4.22
Unrestrieted funds
General fund
Designated Funds
310,612
100 930
2,829
(26,384)
287,057
115221
411.542
2.829
(12,093)
402,278
Restrleted funds
Masdap
North Swindon Advice Point
Macmillan
Energy Best Deal
East Swlndon
Others
Swindon Borough Council
Thames Water
AFFA
British Gas
48.329
(4,406)
(184)
(4,498)
17,612
(19,202)
34,214
30,003
1,504
14.536
43,923
184
12,093
{7,595)
14,203
31,815
19.202
36,232
51,360
1,367
70,446
61,977
2,871
14,536
(19,386)
143 896
232 680
TOTAL FUNDS
555 438
634 958
24

Swindon & District Citizens Advice Bureau
Report of the Trusteesforthe Year Ended 31 March 2024
Swindon & District
Bureau
vice
Notes to the Financial
r the Year Ended 31 March 2
ontinued
24
15.
MOVEMENT IN FUNDS - continued
Comparative net movement in funds, included in the above are as follows:
Incoming
resources
Resources
expended
Movement
in funds
Unrestricted fund$
General fund
2.829
2,829
Restrict￿ fund$
Masdap
North Swindon Advice Point
Macmillan
Energy Best Deal
East Swindon
Others
Swindon Borough Council
Thames Water
AFFA
British Gas
54,463
(58,869)
(184)
(58,808)
{2,752)
(19,203)
(40,371)
(454,206)
(32,495)
(49,107)
21296)
(4,406)
(184)
(4,498)
17.612
(19,202)
34,214
30.003
1.504
14,536
54,310
20,364
74,585
484,209
33,999
63,043
813 982
737291
TOTAL FUNDS
816811
737 291
A Current year 12 months and prior year 12 months combined position is &s follows:
Net
movement
in funds
Transfers
between
funds
At
31.3.24
At 1.4.22
Unr¢strl¢t¢d funds
General fund
Designated Funds
310,612
100 930
19,578
(8,784)
321,406
115221
411,542
19.578
5,507
436,627
Restrleted funds
Masdap
North Swindon Advice Point
Macmillan
Energy Best Deal
East Swindon
Others
Swindon Borough Coun¢il
Thames Water
AFFA
British Gas
48,329
(6,421)
(184)
(14.829)
34,409
(19,102)
63,014
26,194
4,453
14,856
41,908
184
12.093
(7,595)
14,203
(10,331)
48,612
19.102
(24,612)
(19,386)
36.232
51.360
1,367
74,634
58,168
5,820
14,856
143 896
120 472
258 861
TOTAL FUNDS
555 438
140 050
695 488
25

Swindon & District Citizens Advice Bureau
Report of the Truslees forthe Year Ended 31 March 2024
windon & Distric
Bureau
itizens Advice
Notes to the Financi
tatements .
for the Year Ended 31 March 2024
ntinued
15.
MOVEMENT IN FUNDS - continued
A cutrent year 12 months and prior year 12 months combined net movement in funds, included in the above are
as follows:
Incoming
resources
Resources
expended
Movement
in funds
Unrestrieted fund$
General fund
10,073
9,505
19,578
Restricted funds
Masdap
North Swindon Advice Point
Macmillan
Energy Best Deal
East Swindon
Others
Swindon Borough Council
Thames Wa*r
AFFA
British Gas
110.364
(116,785)
{184)
(163,718)
(21,499)
(19,103)
(175,533).
(879,831)
(38,046)
(112,429)
127 347)
(6,421)
(184)
(14,829)
34,409
(19,102)
63,014
26,194
4.453
14.856
148,889
55.908
238.547
906.025
42.499
127,285
145 429
774 947
120472
TOTAL FUNDS
1785 020
(1644 970)
140 050
16.
RELATED PARTY DISCLOSURES
There were no related paty transactions for the year ended 31 March 2024.
17.
RESTIUCTED FUNDS
The charity's restricted funds have the following purposes:
(i) MASDAP
Face to Face debt case work.
(li) Swindon Borough Council
This fund comprises a service contract with Swindon Borough Council for the provision of the
advice services. This covers the costs of staff and rLmning costs in connection with the
operation of the bureau.
(iii) Macmillan
Fund utilised to provide advice to cancer sufferers and their families.
(iv) Energy Advice Project (EAP)
Grant to fund tal￿ on energy and switcbing energy suppliers ¢tr..
(vi) AFFA
Funds received for the provision of budget and income maximisation advic¢.
(vii) Other
Smaller funds to provide advice.
Funds are also provided for:
- multidisciplinary work with the health service
- advice regarding benefrts availability in connection with winter costs:
- assistance with paying debt relief orders for eligible clients.and budgeting advice.
26

Swindon & District Cilizens Advice Bureau
Report of the Trustees for the Year Ended 31 March 2024
wind
Bure
District citi￿nS Advice
to
e Financial Statements - continued
e Y Ended 31 March 2024
18.
DESIGNATED FUNDS
The charity's desi8nat¢d funds hav¢ the following purpose:
Redundancy liabilities
19.
DEPRECIATION
Expendittwe on f￿¢d assets amounting to less than £IOOO per item is not capitalised.
20.
CONTROL
The charity is controlled by its trustees who are named on page 6. No individual exercises overall control.
27

Swindon & District Citizens Advice Bure8U
Report of the Trusteesfor the Year Ended 31 March 2024
windon
trict
itizens Advice
Detailed Sta
ment of Financial Activities
for the Year Ended
l March 2024
31.3.24
31.3.23
INCOME AND ENDOWMENTS
Donations and lega¢i¢s
Donations
Grants
Service contracts
275
813,980
833,046
121967
955,127
814,255
Other trnding aetlvltles
Sales
4,761
Investment Income
Deposit account interest
7,130
2,556
Other Income
Other in¢ome
Total incomlng resourc¢$
968,209
816,811
EXPENDITURE
Charitable activities
Wages
Social security
Pensions
Volunteer ¢xpen$es
Publicity and promotion
Clients, insolvency fees
Grdnts to institutions
650,823
57,160
33,788
6,959
1.926
12,050
563,743
45,477
28,209
1.582
1,232
815,838
655,684
Other
Trustees, expenses
Support eosts
Management
Wages
Occupancy costs
Telephone
Postage and stationery
Legal and professional fees
29,687
16,074
10,336
11,037
7,090
12,975
6,353
56,309
44,537
This page does not form part of the statutory financial statements
31

Swindon & District Citizens Advice Bureau
Report of the Trusteesforthe Year Ended 31 March 2024
Information tethnology
Computers and IT Equipm¢nt
3,878
7,757
This page does not form part of the statutory financial statements
31

Swindon & District Citizens Advice Bureau
Report oftheTrustees forthe Year Ended 31 March 2024
don & District
tailed Statem
e Year Ended
f Financial A
l March 20
ivities
31.3.24
31.3.23
Information technology
Other
Insurance
Sundries
Training and recruitment
5,677
20,792
6.089
17.709
30,404
27,393
Governance costs
Accountancy and legal fees
Total resources expended
907 679
737 291
Net Income
This page does not form part of the statutory financial statements
32