|CONTENTS|||||PAGE|
|---|---|---|---|---|---|
|Report ofTrustees||||||
|Trustees, Officers &Advisors||||||
|Mission &Objectives||||||
|Activities, Achievements|&Performance|||||
|The Challenges<br>Faced by|Our Clients|||||
|Social Impact||||||
|Structure<br>&Governance||||||
|Financial<br>Review, Risk Management||&.Reserves Policy||||
|Trustees'<br>Responsibilities|in Respect|ofthe Preparation|ofthe Accounts|5||
|Receipts &Payment<br>Accounts||||||
|Statement ofAssets &Liabilities||||||
|Notes to the Accounts||||||





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||||2019|2020|Change|
|---|---|---|---|---|---|
|Average debt per client|||16,900|19,190||
|%ofclients who have long-term<br>%%ofclients with multiple<br>(4+) <br>%ofclients with priority debts|health<br> debts|issues|58%a<br>75%<br>86%|52%<br>90%<br>92%|f<br>f|



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||||Unrestricted|Funds|TotalFunds|
|---|---|---|---|---|---|
||||15mOnthS|a~a tO|15months~a<br>to|
||||31December 2020||31December 2020|
|income||||||
|Donations &grants|||15,797||15,797|
|Total Income|||15,797||15,797|
|Expenditure||||||
|Charitable<br>activities||||||
|Contributions|to supporting|charities||3,250|3,250|
|Staff costs||||8,486|8,486|
|Other direct|costs|||16|16|
|Total expenditure|||11,752||11,752|
|Net income forthe|year|||4,045|4,045|
|Funds brought forward||||||
|Total funds carried|forward|||4,045|4,045|