2022-03-31-accounts

		10am	to	lprn	2pm to 4pm
Tuesday.		10am	to	1pm	2pm to 4pm
MfednasdW	'	10am	to	lpm	2pm to 4pm
		10am	to	1pm	2pm to 4pm
		10am	to	1pm	closed

Contents
Our People				Page	4
Chair's Report				Page	6
Chief Officer's Report				Page	7
Research and Campaigns				Page	10
Money Advice				Page	12
Training				Page	14
An Adviser's View				Page	15
Our Clients' Views				Page	16
Directors Report and	Financial		Review	Page	0
Statement of Financial	Activities			Page	24
Balance Sheet				Page	25
Notes to the Financial	Statements			Page	26
Report ofthe Independent		Examiner		Page	33

Directors	Directors	and	Trustees	1	A	ril 2021-	31March 2022	31March 2022
L nn Stuart			Chair					3oined 16 01/2019
Timothy Williams			Vice Chair,			Company		3oined 12/08/2020
			Secreta
Ramin Nassajpour								3oined 11/8/2021
Esfahani
Isabel Varey								3oined 27/09/2017
								Left 10/11/2021
Tara Willmott			Secreta					Joined 24 10 2018
Cherie Cunnin	ham							3oined 12/08/2020
3oanna Matthews								3oined 12/08/2020
Gavin Finch								Joined li/ll/2020
OlufuntoA beni a			Treasurer			interim		3oined 10/11/2021
Iain Hollowa	-McLean							3oined 10/11/2021
Dou las Leonard								3oined 10/li/2021
Felicit Milne								3oined 10/11/2021
Caroline Whitelegge								3oined 05/04/2017
								Left 13 05/2021
		Staff	1A ril 2021-31March				202
Kash Karimzandi			Chief Officer
Karen Banfield			Advice	Services Mana			er
L n Graves			Trainin	Su		ervisor
Adele Thorn	n		Mone	Adviser
Alka Saunders			Mone	Adviser
Karriane Wilson			Universal		Credit Adviser			Left 9/9/2021
Melanic Harve			Administrator

		Directors and Trustees	Joined	Resigned
Chair		Lynn Stuart	16/01/2019
Vice Chair		Timothy Williams	12/08/2020
Treasurer	(Interim)	Olufunto Agbeniga	10/il/2021
Treasurer		Ramin Nassajpour Esfahani	11/08/2021	ii/05/2022
Treasurer		Isabel Varey	27/09/2017	10/11/2021
Trustee		Ramin Nassajpour Esfahani	11/08/2021
Trustee		Tara Willmott	24/10/2018
Trustee		Cherie Cunningham	12/08/2020
Trustee		Joanna Matthews	12/08/2020
Trustee		Gavin Finch	11/i.1/2021
Trustee		Iain Holloway-McLean	10/11/2021
Trustee		Douglas Leonard	10/11/2021
Trustee		Felicity Milne	10/11/2021
Trustee		Caroline Whitelegge	05/04/2017	13/05/2021

Company	Secretary	Timothy Williams (appointed	Timothy Williams (appointed	10/11/2021)
		Isabel Varey (resigned 10/ll/2021)
Registered	Deice	Bossard House
		West-Street
		Leighton Buzzard
		Bedfordshire
		LU7 1DA
Company	Reg.
Number		05957866 (England	and Wales)
Charity Number		1117337

Independent	D R Kerins FCCA	D R Kerins FCCA
Examiner	Ad Valorem Accountancy			Services Ltd
	2 Manor Farm	Court
	Old Wolverton	Road
	Old Wolverton
	Milton Keynes
	MK12 5Nhl
Bank	CAF Bank Ltd
	25 Kings Hill Avenue,		Kings		Hill
	West Mailing
	Kent
	ME19 03Q

			31.03.22	31.03.22	31.03.22	31.03.22	31.03.21
			Unrestricted	Restricted		Total	Total
		Notes	Funds	Funds		Funds	Funds
			g
INCOME AND EXPENDITURE
Income and endowments	from:
Grants		6	96,865	58,285		155,150	170,178
Donations snd legacies		6	2,395		-	2,395	2 690
Voluntary income total			99,260	58,285		157,545	172,868
Charitable activities
Investments			518			518	1,090
Other			2000			2000	22
Total Incoming Resources			101778	58285		160063	173980
Expenditure on:
Charitable activities			93,798	58,285		152,083	160,156
Other			1 582			1 582	1 079
Total Expenditure			95380	~58	85	153665	161235
Net Income/(Expenditure)			6/98			6,398	12,745
Transfer between funds
Net movement offunds			6/98			6,398	12,745
Reconciliation offunds: Total funds bought forward			131442	~		131942	119197
Total funds carried forward

The operating surplus/(deficit)	is stated after charging:
Depreciation - owned assets
Directors'/trustees' emoluments	and other benefits

6.INCOMING RESOURCES
		31.3.2022	31.3.2022	31.3.2022	31.3.2021
			g
		Unrestricted	Restricted	Total	Total
Grants
Central Bedfordshire Council - annual	grant	74,628		74,628	74,628
Leighton Linslade Town Council		22,237		22,237	21,995
Citizens Advice - Money Advice snd	Pension
Service grant			48,805	48,805	48,805
Citizens Advice - Help to Claim grant			9,480	9,480	18,750
Citizens Advice - BETSgtnnt					6000
		96865		i55.150
Donations andLeacies					~26

					31.3.2022	31.3.2022	31.3.2022	31.3.2021
					g	f.
					Unrestricted	Restricted	Total	Total
Staff costs:
Salaries					74,509	44,833	119,342	124,800
Social security	costs				3,039	1,829	4,868	4,970
Pension costs					1 371	825	2 196	2213
					78,919	47,487	126,406	131,983
Support costs:
Rent					4,196	3,304	7,500	7,500
Travel, nvining	and	volunteer	expenses		1,177	709	1,886	492
Insurance, stationery, office expenses		telephone		and other	9,410	6,785	16,195	19,970
Other overheads					96		96	211
					~3	~5	152083

9.TANGIB	LE FIKEDASSETS
		Office
		furniture	dt
		equipment		Total
Cost
At 1April 2021		16	165	16165
At 31March	2022	16	165	16165
Depreciation
At 1 April 2021		16,165		16,165
Charge for the year
At 31March	2022	16	165	16165
Net BookValue
At 31March	2022
At 31Mmch	2021
10.DEBTORS		31.3.2022		31.3.2021
Trade debtors
Prepayments	and accrued income	6644 ~664		1006 ~6
11.CRKDITORSt AMOUNTS FALLING DUK WITHIN ONE YEAR
		31.3.2022		31.3.2021
			0
Creditors and	accrued charges	2,000		1,044
Taxation aud	social security	2,718		2,809
Other creditors		12	722
		17	440	~53

The following operating lease commitments ar	e committed tobe paid:-
	31.3.2022	31.3.2021
Propeity Lease	1,875	1,875
Photocopier

13.MOVEMENT	IN FUNDS
		Balance	Income	Expenditure	Balance
		brought			carried
		forward			forward
		8
Restricted Funds
Aviva Community	Fund	500			500
Citizens Advice -	Money Advice and
Pension Service grant			48,805	48,805
Citizens Advice —Help to Claim grant			9,480	9,480
Citizens Advice —BEIS
		500	58285	58285	500
Unrestricted Funds
General Reserve		131442	101778	95380	137840
		~t319 2			~1383

4.ANALYS	IS OF FUNDS
		Net debtors/	Bank	Totals
		creditors
Restricted Funds			500	500
Unrestdcted	Funds	~10796	148636	137840
At 31 March	2022			~1383
At 31March	2021