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|Tuesday.||10am|to|1pm|2pm to 4pm|
|MfednasdW|'|10am|to|lpm|2pm to 4pm|
|||10am|to|1pm|2pm to 4pm|
|||10am|to|1pm|closed|
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|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|
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|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||||||
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|||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|||||
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||||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||||||||
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|The operating
surplus/(deficit)|is stated after charging:|
|---|---|
|Depreciation - owned assets||
|Directors'/trustees'
emoluments|and other benefits|
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|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|
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||||||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||
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|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|
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|The following
operating lease commitments
ar|e committed
tobe paid:-||
|---|---|---|
||31.3.2022|31.3.2021|
|Propeity Lease|1,875|1,875|
|Photocopier|||
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|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||||
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