Page I
Rayleigh United Refonned Church Charity
{Alternative name- Christ Churth Unlted Refornied Churth Charity)
Charity Reglstrntlon Number. 1132232
The
United
Reformed
Church
Report of the Trustees
For the year ended 31 De￿mber 2020.
Mission Statement
Christ Church aims to promote and nourish faith in God, to tell of God's love, and by
working together, to share God's love with the community and wider worfd.
Thls report include5 infomiation required by the Charities (Aco)unts and Reports)
Re8ulations 2008 and the Ststement of RecoFnmended Practice for Accountlng by Charities
2005 a5 applicable to charities entitled to prepare accounts on the receipts and payments
basis.
Leral and Admlnistrative Inforniation
Christ Church United Reformed Church, Rayleigh is a local church of the United Refomied
Church in Great Britain and is a member church of Eastern Synod of the United Reformed
Church.
The church premises are sltuated in Crown Hill, Rayleigh S56 7HA Christ Church United
Reformed Church Rayleigh Is a community of people who gather together regularly to
worship God in a non-conformist trddition that traces its roots to the Reformation. Christ
Church was established as a Congregatlonal thurch in 1910 and joined the United Reformed
Church at its fomation in 1972. The church premTses are vested in Eastern Province Trust as
trustees and held for the benefft of Christ Churth United Reformed Church, Rayleigh in
accordance WFth the trusts appllcable to United Refomied Church properties.
Christ Church United Reformed Church, Rayleigh was registered as a charity on 21 October
2009 (Reg. No. 1132232) to comply with changed le8al requireFnents.
The charity trustees are the members of the Elders Committee, during 2020 they were:
Mrsjoyce Berry
Mr Ketth Berry
Mrs Barbara Burrell
Mr Robert Dart
Mr5 Susan Deane
Miss Jean Hall
Mr lan Mlller
Revd Naomt Vou*8-Aodas
Bankers: Bardays Bank, 63-65 Hi8h Street, Raylei8h, SS6 7EL
Structure and Goveman
The activities of Christ Church Unlted Reformed Chur¢h. Rayleith are overseen by the
Elders. Meeting of the Church in accordance wrth the provisions of The Strutture of the
United Reformed Church determ¥ned by General Assembly of the United Reformed Church
and supplemented by the rules of Christ Churth United Reformed Church. Rayleigh.
The Elders, Meetlng is responsible for the spiritual welkbeing and financial administration of
the Church, and the care and maintenance of Church premises and the m6n5e. The Churth

Page 2
Meeting lof all churth members wishing to attend) gives guidance on the life and work of
the Church, appoints Church Officers, all major inrtiatives and significant items of church
expenditure are also brought to Churth Meetin8 for approval.
The member5 of the Elder5, Meetin8 are the minister in pastoral charge and up to ten
members of Christ Church Unrted Refornied Church. Rayleigh nominated and eletted by the
members of the Church. Elders having served for 3 years retlre by rotstion and are eligible
for re-election for a further period of 3 year5. Following a period of 6 consecutlve years as a
serving Elder, a period of one year must elapse before the person is eligible for ￿leCtI0Th
as a seNing Elder. There is no limtt on the number of periods of servi￿.
The members of the Elder￿ Meeting are the trustees of the registered charty duringtheir
period of service as Elders. Due to the restrictions imposed because of the Covid-19
pandemic it was not prartical to hold an Annual General Church Meeting to elect new elders
in 2020 so it was decided that exssting serving elders should serve until April 2021. Church
Members were Infomied of this decision and none objected.
Objectives and A￿l￿tIeS
As a local con8re£ation of the United Refomied Church. Christ Church, Rayleigh seeks to
advance the Christian fatth through its artivities and the facilities offered to the community
by Its buildlng and described more specifically in its mission statement
The Elders. Meeting is aware of the Charity Commission'5 guidance on publlc benefft in The
Advancement of Religion for the Public Benefif and ha5 regard to it in the administration of
the church.
The Elder5. Meeting belleves that the Church provides benefft to the publlc by:
Providing resources and facilities for public worship. pastoral care and spiritual moral
and intellectual development. both for the congregation and for anyone else who
wishes to benefft from what the Church offers"
Managing the premises for tommunty use
Promotlng Christian values and Serv1￿ by members of the cong￿gatIOn to the
community, for the benefft of individuals and society a5 a whole.
Review of Attlvltles and Achlevements
Our norn)al pattem of services and activities were disrupted durin8 2020 because of the
Covid-19 pandemlc which resulted in the churth congregattron being unable to meet
physicalty. This year many have learnt new IT skills- how to live stream a service. hold
meetings on Zoom. singlng group pratti5ing virtually. the House Group meeting each in front
of the own computer screen rather than in one room. Each week Sin￿ March when the first
lockdown began there has been a weekly news-sheet sent by email or dÈlivered to those
not on-llne to keep people in touch and sharing news, also the Sunday service has been
distributed so people can join in the seNice from their home regardless of whether they are
able to access the Itve Streamed Servi￿ or noL Our Children and Famlly worker has also
prepared actiVFties each week for the younger members of the congregation and Me55y
Church has been able to happen on-line wtth the bag5 containing items for the activities
being available for people to collect or delivered to them.
When It wa5 possible to re￿pen the thurch for Servi￿-the Sunday morning service was
held in the chLSrch with people weartng fa￿ masks and beln8 socially distanced and no
con8regatlonal singlng.
We aim to offer Sunday services over the course of the yearthat our community finds both
beneficial and spiritually fvlfillinB.

Page 3
Pastoral Care and Church social Llfe
All members and adherents are included in Pastoral Group5 and althou8h visitin8 has not
been posslble during ￿ent months. members of the congregation are contarted regularly
by telephone. Many of the usual activities had to ￿aSe from March 2020 due to the
Pandemic restrictions. However, many members have been keeping in touch with each
other elther by conversations on doorsteps or in other open spaces. The church employs
Children and Family Worker who liaises wrth the families of child￿￿ connected with the
church and is also the cwrdinator for the XL mentoring scheme. The work of the XL
Mentorin8 programme has been able to continue durin8 2020 albeit with more on-line
contact than actual meetings wirh the m@ntees.
A number of organisations are affiliated to the churth, the membership of these
organisatlons is not Ilmlted to people who attend thrist Church. Rayleigh. They include the
Concord Ladies Uub and the Badminton aub. The funds for these orsanisation are in
separate accounts. they have their own committee strucbjre and treasurer. but their total
receipts and payments and the balance held at the year end are included In th15 report.
Separate accounts are a150 held for the printing and distributlon of the monthly church
magazine and for the Music Group* a8ain their reoipts and payments and year end
balances are Induded in this reporL
Charitable Works
Fundraising for other charities continue5 on a regular basis. As we were not meeting In the
church the monthly "envelope in the Pe￿ collectton, could not happen as normal,
however. many members sent a contrfbution for the chaTfties so they could be supported
(see Note 4).
In addition. the church has a partner church in Zimbabwe. this partnership was estsblished
in 2010 and financial assistance has been glven to the Church Tn Budiriro for buildingwork,
bore hole and solar pump as well as financial support fortheir ministerfs stipend.
At the time of the writlng of this report the restrittion5 imposed because of the pandemic
a￿ having an effect on the Ilfe and work of the church but are keen to emphasize thatthe
church is not closed but just working differentty. The thurch finances have not been
impatted as much as some other thurches as members have been very generous and
diligent in giving their freewill offertory money althou8h Some investments were sold in
Aprtl 2020 to ensure the church had sufficient funds to meet its ongoin8 expenditure,
particularly to the denomination's Ministry and Mission Fund and to maintain a positive
cash-flow.
Flnandal Review
The accounts ft>r the year are set out on pages 6 to 11. The trustees have taken the
opportunity to prepare these financial ststements in accordance with the Charities Act 2011
Settion 144, u5in8 the Receipts and Payments basis available to small charities and the
United Reformed Church guidance.
For the church the main sourte of receipts are the Offertories. including the giving by some
members by monthly standing order, hall hire and the income earned by the solar panels
installed on the roof of the church. The General fvnd. after makinz sotTre transfeF5 to the
designated accounts, indicates expendrture in excess of receipts of £12,20212019 - £1.9361.
The designated funds are detailed in Note 2 of the statÈments and provide reserves to meet
various categories of non-routine expenditure. The church was fortunate to recerve rwo
legacies. totalling £7.1JXI in 2020 and thesÈ were added to the Bequest Fund. The church

Page 4
registered with easyfundraising and Amazon Smile. a donation is re￿IVed when members
sign up and spend money with certain retailer5 on-line. to date a total of £168 has been
raised for church funds. After taking into account the increase in the value of the
investments held by the church. the total overall funds of the church were approxrmately
£5.5QKi lower at the end of 2020 compared with December 2019.The Restricted Funds
comprise mainly of money glven for other charities and the funds of the Other
Organisations.
Reserves- the trustees considerthat a minimum of £5.LNJJ should be held as a reserve in
the General Fund to meet expenditure. which is considered satisfattory as some Items of
exceptional expenditure could be met from the Designated Funds.
Investment Policy- as some of the funds are not expected to be expended wrthin the next
two years some of the available fund5 have been placed in investment funds with CCLA
Management to provide a better return than was available on Deposit Accounts, the income
from the investments held In Designated Fund5 is induded within the general receipts.
Rlsk Management- the trustees have identified what they believe to be the major rlsks
which the church faces and are satlsfied that these have been adequatety mitigated where
necessary and review the risk assessment annually.
Safeguarding Policy-the charitrfs Safeguarding Policrf is based on the one approved by the
Untted Refornied Church and 15 reviewed regularly, the last such review was carried out in
February 2021 and the tnjstees and other key members of the charrty have attended on-llne
refresher safeguardlng training.
Public Benefit- the trustees are aware of the Charity Commission guidantr on public
benefrt includin8 the specific guidance on chartties for the advancement of religion.
Ev@ryone is welcome to attend our regular services and other attivitles.
Volunteer5- a5 viould be expected wlthin a church 5trutture many of the attivitles are
carried out by volunteÉrs. The stipendiary minister is paid from the central UnEted Reformed
Church'5 Minlstry and Mi55ion Fund to whlch the church contribute& The work of the
church is, thereforo. 5ubstantialty dependent upon the voluntsry members and it is not
onsldered appropriate to consider the value of thi5 time.
As mentioned oarlier the total receipts and payments figures for the affiliated organisations
are included in the charrvs recelpts and payments account& The year end balances are
included in the Statement of Assets and Liabilities.
Approved by the Elder5 and signed on their behalf by.
S. q. JA)il.
Church Secretary:
Ddte."

Page 5
Independent Examiners. Report to the Members of
Chrlst Church United Reformed Church Charity
We report on the financial statements of the Chartty for the year ended 31 December 2020 as set out on
pages 6t0 11.
This report is made solety to the chartvs trustees. as a body. in accordance with section 145 of the
Charitles Att 2011. Our work has been undertaken so that we ml8ht state to the charrty5 tru5tee5 those
matters we are requlred to state to them in this report and for no other purpose. To the fullest oxtent
permltted by law, we do not accept or assume responsibility to anyone other than the charity and
charivs trustees as a body, for our work. for this report, or for the opinions we have fornied.
Respective responslbilities of trt￿tee$ and examiner
The charitys trustees are responsible for the preparation of finantial 5t3tements. The chartV5 trustees consider
that an audlt Is not required forthis year under Sectlon IW2} of the Charftles Act 2011 Ilhe 2011 Act.) and that
n independent examination Is needed.
It is our responsibility to=
> Examine the financial ststements under settron 145 of the 2011 Att;
> To follow the procedures taid down in the General Directions given bythe Charity Commission under
section 145{51{b) of the 2011 Actr and
To state whether particular matters have come to our attentlon.
Basis of independent examlnerf report
Our examinatron was carried out in accordance with the General Dirertions gtven by the Charity Commission. An
examination includes a ￿￿eW of the accountlng records kept by the tharity and a comparison of the financial
statements pre*nted wlth those records. Ft also includes conslderatfion of any unusual item5 or disclo5ure5 in the
financial statements and seeking explanatsons from you as trustees cOn￿rning any such matters. The procedures
undertaken do noi provtde all the eviden￿ that would be required In an audtt, and consequentty no oplnlon 15
given as to whether the financial ststements present a 'true and kirf view and the rewrt is limited to those
matteT5 Set out in the Strdtement below.
Indep•ndent examinerg ststement
In connection with our exarnination, no matter has come to our attentton:
a) Which gives us reasonable tau* to believe that in any material respett the requiremen￿.
To keep accounting records in accordance wtth section 130 of the 2011 Act; and
To prepare financial statements which accord with the accounting record5 and comply wlth the
accounting requlrements of the 2011 A¢
Have not been met: or
bl To which, in our opinion, attention should be drawn in order to enable proper understanding of the
financial 5tstements to be reached.
Independent Examiners
Signature
Sisnature
Name:
MrTCollin5
Mrs L Haworth
Date:
LI.2?21
Date
.Icu

CHRtSTCHURCH, RAYL&(¥I UNITED REFORIIED CHURCH
REGEIPTS AND PAYAIElItSAccouiir
19
FLrth£
RECEIPTS
Offériros
J,&83
3235
73
Messy Chut
Mustard Sted Tc#>Jers
HoliJay Ch*b
497.
1C
dlfiro ChurGh
Comunw Fund
Fundratsw
Prorety. thurcNW ulers
1.127..P-fj:i-
2.755
2,877
6.847
10
F*J Sn Tarfrr
4.719
101
4,719
Total rBGelFts
7.975
PAYMENTS
Wor5hF Cos
ComvnKYF Fund
Supwrt ￿OINs￿le C*J
Prq8ci
Buttlriro Churth
41,180 L.::
1,t19
3.￿7
IC
4.387
12
13
Church njnning ¢osts
lrnini8trakn Costs
Maintefta
10.LVa4
TO,094
3,3
15 i
16
1727
Chfvjren and FarWWork8r
Churth rnaga
Ordination aThJ lfiduGbrn
8.811
10
4.197
155
T¢)lal payments
8.1*)
7.018
J,8S7 X 8&42Y >..°:
.>￿ NET RE￿￿Ts IPAYiieNTS
-10,703
-14.8T5
13,
-13,rJ))
i¥'6i Trans from Church I￿90n￿￿10ns
sU￿u5 ID8llcitftK i*rlod
1797
C¥h & short tsnn fl8prffjits t4r
249
10.181
426 14 _10.8S4 W..,
2,797
3.740
7.919
841& of Invetsnerts
C&%h & st￿t￿mi deF￿ tsy
11260
11,Sfll
Investr￿￿t FuThlJ 1 Jan
3.740
4.740
-112eo
Total Church Furi(ls ¢

RECEIPT5 AND PAYMENTSACCCrfJNT Icortd)
LasL Y¥ *<4..
2019
X20
13,885
Baknces bif 1 Ja
18
4.136
13.425
4.136
67,487
9.941
6.1WJ
-13.IX
21,860
11.615
Payments
107,489
13,CO)
5.121
T￿$
8alant* t4r
.&t-. Barat￿• Crt
7Q886 14631
Church
758
7,181
7.919
1167
Depc*tl aGcountfy
. Cash arxl ShortTBTh Crt
3,207
1121
5.328
7.997
3.740
-3.740
85,gS1
-112&)
2,941
UnrealL%ga Ga
19
2,941
85.951
7J19
1306::'"4 84793 *'
88.391
Bank ￿[rent*))￿￿￿
?: 18
13,W2
ash
1CO
758
7.161
7.91
2.167
7.997
25.326
14.S31 7>:
% Invèstrnen
TL*I Funds
19
7.919
94412
'¥." Buik¥irvJs undwstshjtoryfn
'* Liabllii¥•s
I￿)￿P￿(l YcLIA& £LOtb Is•Jnahw81L. .

CHRIST CHURCH, RAYLEIGH UNrrED REFORMED CHURCH
, FINANGIAL STATEMEiifs YEAR ENDED 31 DECEMBER 2020
Page 8
NOTES
I ACCOUNTING POLICIES
The financial statements have been Prepared in acc3)rdan￿ vrti) the Gharities Act 2011 Sectton 14515){b), using
the Re¢eipts and Payments basis available to smgtl ¢harib88. and the United Refom)ed Church guidance.
FUND ACCOUNTING
Unrestricted Fund8- may be used by the thurch for any of its ordirw purposes.
Designated Funds. reptesent unrestrthd funds set asNJe ty the church for Sp￿ des4nated
purposes. they ean te transferred back into gertèral fijnds xt the church's d8cisi)n.
Restricted Funds. represent inwne vthiGh may expend&l onty on thc¢e restricted Obi￿ts provkded
In the tems of a bust or ba]U&L or donatijns or grants or invtbj fDr a spectfic pu￿.
Thestr funds can onty be Sp￿t ¢)n the specifrc Purp￿ for which they were gtven. Any baL4nce
remaining Un$￿nt must te carri8J lorwartl as a balan￿ on that fund for future expenditure on that
sFeryfic PUTtx)se or returr￿. it cannot be ab>ybed into general fvnds.
Ba￿Ar￿￿
Paymen
Transfer
Axljustment
Batance
ba-w 2 DESIGNATED FUNDS
Fund name and purpjse
Church Mainterkin
Bequests
Youthlchildren WO￿ Reserye Fund
Youth SuppcKt
Transfer in
value
27.527.83
51,0(E.35
5,671.75
1.701.27
6.180.00
15,IYK).00
23,347.83
45.946.66
5,671.75
1.701_27
7.000.IXI
2.940.31
Totats of l)esignated Funds
85.90720
21.180.00
76.667.51
3 RESTRICTED FUNDS
8818
ReceiW Transfers in Payrn￿ AI
Trartsfers in
year £
Balan
Fund name and PUTpose
Communion
1,7￿¢.44
1.080.37 w-: _1.053.00 ,.
622.73
1.195.08
Total Restrfcted Fund5 .
1.790A4
-1.053.00
622.73
1.198.08
4 RESTRICTED FUNDS
FOR 01sfsiDE CAUSES
Commithent for Life
Lent Silver Collection- Water Aid
Bar N Bus
Christian Aid
ChTisbnas Appeal
HARP
Rayleigh Refugee Group
Havens Hosp
Romantan Crests"n Trust
Matvest ApkEal- Hopeworx
Harvest Appeal -FIARP
Refu9ee Action
Tt8ngf8rs
wi )ear£
Balan
r£
in year £
179.75
27T.61
121.80
135.50
2.818.00
250.00
250.00
50.00
30.00
92.50
92.50
89.00
-0.25
0.00
0.00
135.50
1,765.00
1Q.00
1.053.00
250.00
230.00 1
0.00
10.00
0.00
0.00
Total for Outslde Causes
25
186Q11 y-- 1,S33.iYJ
4,386.86
10.00
R￿ipts Payments from Payments
inrnr£
Genwal Fund5
in year£
Balance
5 BUDIRIRO
Budiriro Pr￿t
Budiriro Church
1,562 1
1.662
1,453

<.. CHRIST CHURCH, RAYLEIGH UNfTED REFORMED CHURCH
." FINANCIAL STATEMENTS YEAR ENDED 31 DECEPIBER 2020
Page 9
NOTES- ¢ontinued
This Yoar
21)20
TO*￿ £
La￿ Year
2019
Total £
FwKls £
FuTrJs £
. 6 OFFERINGS
Envelopes
Standing Orders
16,174
25.451
16.174
25,451
555
8,703
16.892
21,184
2.115
8,321
Gfft Tax RefuTKI
8.703
rotal Offortorigs
48,511
7 FUNDRAISING
Christmas Greettngs
Quiz Sheets
Sale of Poety BcKJks
Scrabble
Meals
Easyfvndrdising
211
20
211
20
108
72
176
58
other
711
Total Fundrn8ing
t)}￿. 8 PROPERTY INCOME
Hall Letting5
1,311
2.755
2,755
6.847
Total property incomo
9 DONATIONS FROM CHURCH I
OTHER ORGANISATIONS
Concord Club
XL Mentoring G￿nt
Totsl donallons for use of premises
10 REFUNDS
Bridgv•th Drive Refunds
Insuran￿ Refijnd re Manse
2.755
1755
6,847
500
1,798
426
3.596
2,298
4,022
419
Total Re￿ndS
1889
419
• 11 WORSHIP COSTS
Preachlng Fees
WoT5hip Cosis
RSCM & Organisls. Fees
Pianolorgan Tuning
Sound System
Flowers
CCLI Lunce
Miscelbneous
416
403
155
472
197
107
570
387
197
107
970
387
73
637
495
Total w0￿h1p costs
578

HRIST CHURCH. RAYLEIGH UNtrED REFORMED CHURGH
, FINANCIAL STATEMENTS YEAR ENDED 31 DECEMBER 2020
.. NOTES - continued
ThÈs Year
21T20
Total £
Lastyear k*.:
2019
Total £
Fur#ts £
Furth £
F￿£
1Z Messy Churchlcafé GhurchllAtssion
MÉSSY Church
Mustard Se&ls Toddlet5 Group
Holiday Club
Sunday Cltsb
Young Leaders
HaM￿nie Conc*rt
Ghristmas 8ook5
218
16
218
16
197
150
70
70
150
138
138
522
522
13 CHURCH RUNNING COSTS >tsa¥.-"':
Electricity
1,457
Gas
2.021
Insurance
2.194
Water rates
Cleaning
Teajcoffee
K[tchen￿o[￿t costs
Miscellaneous
1.457
2,021
2.194
65
3,692
1,174
2,236
61
3.692
190
311
278
476
476
Total church runnlng costs
14 ADMINISTRATION COSTS
SlationerylPostage
Offertory Envdopes
Phottxoptet
Website
Broadband
Name Badges
10m4
10.094
9.373
27
102
27
102
2,508
287
383
30
Totsl Administratkn Costs"": '
3.336
15 MINISTER'S EXPENSES
Fixed CarAllowance
Telephone
Travel c¢sts
Spring School
.&¥..l Book Allowance
Othèr
270
363
543
197
Total Mlnistsf8 E¥pen8es %.:
16 AIANSE COSTS
Council Tax
Water rates
Telephofi¢lBroadband
Insurance
Maintenan￿IRed￿a1jtin
2,7ZI
1727
Z71
1.451
T¢)tal Manse Costs ¥w4

CHRIST GHURCH, RAYLEIGH UNITED REFORMED CHURCH
FINANCIAL STATEmE1￿s YEAR ENDED 31 DECEMBER 2020
NOTES- contlnued
Page 11
-.117 BUILDINGS
Maintenance- Buildings
Gar ParK- resurfacAno
Boiler Service
Fire Exttnguk%hers etc
Pest Control
927
927
6.180
475
234
269
1.052
475
234
400
268
Buudings
18 GHURGH 0RGANk￿rnN5
6.180
8.085
1.896
Balanc•
Receipts Paymenls
Ba￿nce clf
483.33
508.19
70.96
286.63
Church Magane
Concord Ladies GEub
Badminton Club
Muslc Group
XL Mantoring
Falrtrade
1.023.80 ¥
617.92
1.656.17 1
414.25
1.112.79
155.21
286.63
2,114.49
389.29
10.000.00
1,450.10
612.89
1.295.23
Total of Church OrganisatK)n8
135A6
11885A7 < {598A6
13AX87
Price at
Valuè at
31D
31 Dec
2020 r. 2020
14,723.56
141.79
15,211.70
14.123.54 1 5.455.QKI
15.016.52
35,098.93
Pr￿e at
No of Unlts 1 Jan 21J20
va￿￿ at
1 Jan 2020
19 INVESTMEpirs
Church
CCLA Ftxed Interest Fund
CCLA Ethtsl Invesbrent Fund
CCLA Global Equty Fund
Units Sold
Hokling at Year End
CCLA ProFety Fund
15,044.26
5.455.IM)
16,951.09
7.718.03
9.233.C
*. 19,182.81 <. 19,182.81
137.24
5.455.
207.
246.58
19.182.81
22.786.88
20,895.83
22,(M)4.60
Total InvOS¢ments
20 MONEfARY ASSErs
The church monies are not hehl in segregatsd a¢J))unts, but forthe sake of this finanual statemènt the total of each 0.5".
allocattsj appropriatdy over the various furKls. The Church Organisations have their (Mn separate bank acGounts. *_-"
Ati the investments and dep￿lt furnjs are held in the Church's name but allocabj arxordirvJly lo the VariDUS funds.
21 ASSETS USED FOR CHURCH PURPOSES
The church buiklings is vested in East¢m Synod Tnjst as tJustees and is not a thurch as8
The premises a￿ held for the benefft of Christ Church, Rayle¥Jh UnÉW RefrYrtEd Churth in accordan
th the statutory trusts applicabte to URC properbes under the URC Acts.
For insuranGe purpJse8 the church buiklings are insured by the thurch for£ 3.484,923