2024-07-31-accounts - Clean Slate Financial Wellbeing Services CIO

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2 Geordie Ridley Place Upper Precinct, Wesley Court Blaydon on Tyne | Tyne and Wear | NE21 5BT

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Clean Slate Financial Wellbeing Services CIO

Charity No. 1202493

Trustees' Report and Unaudited Accounts

31 July 2024

Clean Slate Financial Wellbeing Services CIO Contents

	Pages
Trustees' Annual Report	2 to 6
Independent Examiner's Report	7
Statement of Financial Activities	8
Balance Sheet	9
Notes to the Accounts	10 to 18
Detailed Statement of Financial Activities	19 to 20

Page 1

CLEAN SLATE FINANCIAL WELLBEING SERVICES CIO

FIRST ANNUAL REPORT 2023 - 2024

Charitable Objectives

Clean Slate Financial Wellbeing Services is a Charitable Incorporated Organisation (CIO) dedicated to the promotion of financial inclusion and wellbeing for young people (16+) and adults who are recovering from addiction and mental ill health in Tyne and Wear.

Our History

Clean Slate Financial Wellbeing Services CIO is an award-winning charity, delivering financial capability and inclusion services to people in recovery from substance misuse and addiction and mental health in Tyne and Wear.

Our committed team of employees and volunteers provide individualised advice and guidance on matters of financial capability and do so with an understanding of addiction and recovery, grounded in their own lived experience.

Our work is grounded in empathy and with a deep understanding of the stigma and shame that people can experience in relation to their financial situation as well as any physical and mental health barriers.

We are an advocate for equity and system change. We work with local and national strategic partners to tackle the root causes of poverty and promote social inclusion and provide a platform for people and communities who are seldom heard.

Clean Slate Financial Wellbeing Services was constituted as a CIC in 2021 before transitioning to its present iteration as a CIO which Trustees deemed was a more appropriate vehicle for the charitable objectives.

The Clean Slate mission is to help people in recovery from addiction to regain control of their finances was originally founded in 2011 by Graham Brewis who wound up the organisation in 2018 when he could no longer continue to support people due to his own physical health.

Graham’s concerns about the harmful effects of the increasing barriers to financial wellbeing support for people in recovery as a result of COVID-19 restrictions led him out of retirement when he began to offer support to the recovery community on a voluntary basis in 2020.

During this time, Graham trained and supported volunteers to enable more people in recovery to access support and recruited several new volunteers who would become the first Trustees of the CIC which was constituted in 2021 before transitioning to become a CIO in 2023.

Page 2

We would like to express our sincere gratitude to the dedication and commitment of the Clean Slate team, without whom none of this work would be possible:

Naomi Kenneth - CEO
Andrew Smith - Project Manager, Financial Inclusion
Graham Brewis - Founder
Lesley Hall - volunteer
Joyce Barsdell - volunteer
Lionel Joyce - Founding Trustee (retired 2024)

Our heartfelt thanks go to the people and organisations who recognise and value the need for our services and who have placed trust in Clean Slate through the financial support they have awarded to us in our first year:

The National Lottery, Sir James Knott Foundation, Blue Stone Collaborative, The People’s Kitchen, MSE Charity, The Wise Group and Newcastle City Council.

Financial Approach

Our trustees ensure that:

Resources are used efficiently and effectively
Funds are directed towards our charitable objectives

Statement confirming whether the trustees have had regard to the guidance issued by the Charity Commission on public benefit .

The trustees are confident that Clean Slate Financial Wellbeing Services CIO continues to provide significant public benefit, directly supporting people in recovery from substance misuse and addiction and mental health in Tyne and Wear, contributing to whole person recovery from addiction and financial inclusion.

Summary of the main achievements of the charity, identifying the difference the charity’s work has made to the circumstances of its beneficiaries and any wider benefits to society as a whole.

Clean Slate was founded by and for people in recovery who we know are very often excluded when seeking support for their financial circumstances from services that have not been designed to enable equitable access for people who are experiencing cognitive difficulties, emotional distress, or irregular financial histories.

Shame, stigma and discrimination based on mental health status, addiction history, or associated circumstances are key reasons why people do not ask for help. We take care to ensure that recovery is visible and celebrated at all levels of our organisation and because of this we have developed a reputation as a trusted service in the recovery community.

Our work is grounded in local communities and ensures accessibility is not hindered by unstable housing, access to technology, digital literacy gaps, and cognitive challenges which can be barriers to engagement with increasingly digital financial support services, creditors and service providers.

Page 3

Financial inclusion represents a critical component of sustainable recovery and without addressing financial barriers, recovery efforts are undermined.

The Clean Slate approach to financial inclusion creates a powerful positive feedback loop supporting sustained recovery and well-being.

In our first twelve months as a CIO, we have:

Provided bespoke 121 financial inclusion interventions to 106 people in recovery from addiction and mental ill health.
24 Weekly drop-in at the People’s Kitchen, offering financial advice and guidance to homeless individuals. We also took this work outside of the venue, doing follow up sessions for more complex cases.
30 Weekly drop-in at George Street Social, seeing clients who attend 12-step fellowship meetings in the venue. We gave advice on benefits, debt, energy, and credit score improvement.
16 Budgeting advice workshops to Oaktrees Day Rehab. We followed this up with 1 to 1 sessions where we gave advice on making their budget work for them.

We learn about the difference our work is making by:

Asking the people we work with about their experience of our services
Collecting and reviewing data about our activity
Collecting and reviewing data about the financial situations and outcomes for people we work with
Reflective practice and case reviews
We apply what we are learning*……

*Trustees have committed to enacting a Human Learning Systems approach which will integrate governance practices to enable Clean Slate to foster a culture of continuous learning and experimentation

Review of the charity’s financial position at the end of the period

Clean Slate Financial Wellbeing Services CIO has significantly improved its financial position, moving from a negative balance of -£2,720 to a positive balance of £9,315
Substantial increase in grant funding from £10,000 to £60,254
Independent Examination completed on 15 October 2024
No material matters of concern identified

Statement explaining the policy for holding reserves stating why they are held

Clean Slate is a newly constituted organisation. Trustees acknowledge their duties to act in the best interests of the organisation.
Trustees have determined a reserve policy of a minimum of 3 months operational turnover to be achieved by the end of the financial year 2025-2026.
Reserves will be built from unrestricted funds generated through donations, earned income and where possible efficiency savings.

Page 4

Reserves are monitored regularly, and the policy reviewed annually by trustees in the charity's planning processes.

Amount of reserves held

£0

Reasons for holding zero reserves

The financial year 2023-2024 is the organisation's first financial year.
There have been limited opportunities to apply for grant funding in our first year due to the number of charitable foundations and trusts requiring the presentation of accounts to comply with due diligence.

Details of fund materially in deficit

The Unrestricted General Funds show a deficit of £3,557 at the end of the financial year.
This includes a 2021/2022 deficit of £2,720 which the CIO inherited from the CIC’s first year of operations.
The accounts show that the deficit has reduced from its original value of (£4,257) in 2021 - 2022.
Trustees are confident the action being taken will address this deficit through the generation of unrestricted income.
2023-2024 financial statement shows a significant improvement in the CIO’s overall position (from - £2,720 to +£9,315)
The CIO has now secured two contracts which will generate unrestricted income to reduce the deficit in the financial year 2025-2026.
The first of these contracts started on 1/6/2024 and the second will commence on 1/8/2024.

Explanation of any uncertainties about the charity continuing as a going concern

The current economic conditions are not just challenging – they're potentially devastating and not only for people in recovery. The North East of England already has the highest rates of child poverty in the country.

The compounding effects of economic pressures create a cycle of vulnerability that becomes increasingly difficult to escape. We know that these economic pressures are creating a perfect storm of financial instability and risks long-term, potentially irreversible social and economic marginalisation.

We are living in a time of increasing global uncertainty that the charity sector is not immune to the effects of. Clean Slate is no different to many other charitable organisations in that we rely heavily on foundation funding. We know that challenges being faced by those who award funding now mean:

Reduced grant allocations
Longer and more competitive funding application processes
Greater scrutiny of organisational sustainability and impact
Increased pressure to diversify funding streams

Page 5

For Clean Slate to survive we know that we need to demonstrate integrity, brave leadership, unprecedented strategic resilience and financial innovation.

Trustee selection methods including details of any constitutional provisions e.g. election to post or name of any person or body entitled to appoint one or more trustees

Trustees:

Justina Claire Sowerby-Robinson - Acting Chair from June 2024
Joel Wallenberg - Treasurer
Connie Harrison
Lionel Joyce OBE - retired

Number of Trustees:

There must be at least 3 trustees
Maximum of 7 elected trustees
At least one trustee must be 18 years or older

Appointment and Rotation:

At the first Annual General Meeting (AGM), all charity trustees shall retire from office
At subsequent AGMs, one-third of the charity trustees shall retire
Trustees to retire are those who have been longest in office since their last appointment
If trustees were last appointed on the same day, retirement is determined by lot

Selection Methods:

Members can appoint new trustees at the AGM
Members or existing charity trustees can appoint a new trustee at any time, provided the maximum number is not exceeded
Trustees appointed by members follow the normal rotation rules
Trustees appointed by the charity trustees retire at the next AGM

Reappointment Conditions:

Trustees are eligible for reappointment
A trustee who has served four consecutive terms cannot be reappointed for a fifth consecutive term
After four consecutive terms, they must wait at least two years before being reappointed

Agreed by Trustees at Trustee meeting held 24/04/2025

J.C. Sowerby-Robinson 24 April 2025

Page 6

Clean Slate Financial Wellbeing Services CIO Independent Examiners Report

Independent Examiner's Report to the trustees of Clean Slate Financial Wellbeing Services CIO

I report to the trustees on my examination of the financial statements of Clean Slate Financial Wellbeing Services CIO for the period ended 31 July 2024.

Responsibilities and basis of report

As the charity's trustees you are responsible for the preparation of the financial statements in accordance with the requirements of the Charities Act 2011 ('the Act').

I report in respect of my examination of the charity's financial statements carried out under section 145 of the 2011 Act and in carrying out my examination I have followed all the applicable Directions given by the Charity Commission under section 145(5)(b) of the Act.

Independent examiner's statement

I have completed my examination. I can confirm that no material matters have come to my attention in connection with the examination giving me cause to believe that in any material respect:

the accounting records were not kept in respect of the charity as required by section 130 of the Act; or
the financial statements do not accord with those records; or
the financial statements do not comply with the applicable requirements concerning the form and content of financial statements set out in the Charities (Accounts and Reports) Regulations 2008 other than any requirement that the financial statements give a 'true and fair' view which is not a matter considered as part of an independent examination.

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 to enable a proper understanding of the financial statements to be reached.

Kay Wightman FFA FTA Accounting for Good CIC 2 Geordie Ridley Place Upper Precinct Wesley Court Blaydon on Tyne Tyne and Wear NE21 5BT 24 April 2025

Page 7

Clean Slate Financial Wellbeing Services CIO Statement of Financial Activities

for the period ended 31 July 2024

Unrestricted funds	Restricted funds	Total funds	Total funds
2024	2024	2024	2023
£	£	£	£

2,146	-	2,146	600
-	60,254	60,254	10,000
15,046	-	15,046	16,566
17,192	60,254	77,446	27,166

674	-	674	-
3,213	-	3,213	1,388
14,142	47,382	61,524	24,241
18,029	47,382	65,411	25,629
-	-	-	-
(837)	12,872	12,035	1,537
-	-	-	-
(837)	12,872	12,035	1,537

(837)	12,872	12,035	1,537

(2,720)	-	(2,720)	(4,257)
(3,557)	12,872	9,315	(2,720)

Page 8

Clean Slate Financial Wellbeing Services CIO Balance Sheet

at 31 July 2024

Charity No. 1202493 Fixed assets Intangible assets 11 Tangible assets 12 Current assets Debtors 13 Cash at bank and in hand Creditors:Amount falling due within one year 14 Net current assets/(liabilities) Total assets less current liabilities Net assets/(liabilities) excluding pension asset or liability Total net assets/(liabilities) The funds of the charity Restricted funds 16 Restricted income funds Unrestricted funds 16 General funds Reserves 16 Total funds	2024 £ 2,100 378 2,478 665 6,824 7,489 (652) 6,837 9,315 9,315 9,315 12,872 12,872 (3,557) (3,557) 9,315	2023 £ 3,780 165
		3,945 - 11,137
		11,137 (17,802)
		(6,665) (2,720)
		(2,720)
		(2,720)
		-
		- (2,720)
		(2,720)
		(2,720)

Approved by the trustees on 24 April 2025

And signed on their behalf by:

J.C. Sowerby-Robinson

Trustee 24 April 2025

Page 9

Clean Slate Financial Wellbeing Services CIO Notes to the Accounts

for the period ended 31 July 2024

1 Accounting policies

Basis of preparation

The financial statements have been prepared in accordance with Statement of Recommended Practice: Accounting and Reporting by Charities preparing their accounts in accordance with the Financial Reporting Standard applicable in the UK and Republic if Ireland (FRS 102) issued on 16 July 2014 and the Financial Reporting Standard applicable in the United Kingdom and Republic of Ireland (FRS 102) and the Charities Act 2011.

Change in basis of accounting or to previous accounts

There has been no change to the accounting policies (valuation rules and method of accounting) since last year and no changes have been made to accounts for previous years.

Fund accounting

Unrestricted funds These are available for use at the discretion of the trustees in furtherance of the general objects of the charity.
Designated funds These are unrestricted funds earmarked by the trustees for particular purposes. Revaluation funds These are unrestricted funds which include a revaluation reserve representing the restatement of investment assets at their market values.
Restricted funds These are available for use subject to restrictions imposed by the donor or through terms of an appeal.

Income

Recognition of Income is included in the Statement of Financial Activities (SoFA) when the charity income becomes entitled to, and virtually certain to receive, the income and the amount of the income can be measured with sufficient reliability.
Income with related Where income has related expenditure the income and related expenditure is expenditure reported gross in the SoFA.
Donations and Voluntary income received by way of grants, donations and gifts is included in the legacies the SoFA when receivable and only when the Charity has unconditional entitlement to the income.
Tax reclaims on Income from tax reclaims is included in the SoFA at the same time as the donations and gifts gift/donation to which it relates. Donated services These are only included in income (with an equivalent amount in expenditure) and facilities where the benefit to the Charity is reasonably quantifiable, measurable and material.

Volunteer help The value of any volunteer help received is not included in the accounts. Investment income This is included in the accounts when receivable. Gains/(losses) on This includes any gain or loss resulting from revaluing investments to market value revaluation of fixed at the end of the year. assets Gains/(losses) on This includes any gain or loss on the sale of investments. investment assets

Page 10

Clean Slate Financial Wellbeing Services CIO Notes to the Accounts

Expenditure

Recognition of Expenditure is recognised on an accruals basis. Expenditure includes any VAT which expenditure cannot be fully recovered, and is reported as part of the expenditure to which it relates.
Expenditure on These comprise the costs associated with attracting voluntary income, fundraising raising funds trading costs and investment management costs. Expenditure on These comprise the costs incurred by the Charity in the delivery of its activities and charitable activities services in the furtherance of its objects, including the making of grants and governance costs.
Grants payable All grant expenditure is accounted for on an actual paid basis plus an accrual for grants that have been approved by the trustees at the end of the year but not yet paid.
Governance costs These include those costs associated with meeting the constitutional and statutory requirements of the Charity, including any audit/independent examination fees, costs linked to the strategic management of the Charity, together with a share of other administration costs.
Other expenditure These are support costs not allocated to a particular activity.

Taxation

The charity is exempt from tax on its charitable activities.

Tangible fixed assets and depreciation

Depreciation is provided at the following annual rates in order to write off each asset over its estimated useful life:

Computer Equipment 33% Straight Line

Freehold investment property

Investment properties are measured initially at cost and subsequently at fair value at each balance sheet date and are not depreciated. All gains or losses are taken to the Statement of Financial Activities as they arise.

Intangible fixed assets and amortisation

Intangible fixed assets (including purchased goodwill, patents and trademarks) are carried at cost less accumulated amortisation and impairment losses. Brand 20% Straight Line

Stocks

Stock is included at the lower of cost or net realisable value. Donated items of stock are recognised at fair value which is the amount the charity would have been willing to pay for the items on the open market.

Trade and other debtors

Trade and other debtors are recognised at the settlement amount due after any trade discount offered. Prepayments are valued at the amount prepaid net of any trade discounts due.

Page 11

Clean Slate Financial Wellbeing Services CIO Notes to the Accounts

Cash and cash equivalents

Cash and cash equivalents comprise cash at bank and on hand, demand deposits with banks and other short-term highly liquid investments with original maturities of three months or less and bank overdrafts. In the statement of financial position, bank overdrafts are shown within borrowings or current liabilities. In the Statement of Cash Flows, cash and cash equivalents are shown net of bank overdrafts that are repayable on demand and form an integral part of the company's cash management.

Trade and other creditors

Short term creditors are measured at the transaction price. Other creditors and provisions are recognised where the charity has a present obligation resulting from a past event that will probably result in the transfer of funds to a third party and the amount due to settle the obligation can be measured or estimated reliably. Creditors and provisions are normally recognised at their settlement amount after allowing for any trade discounts due.

Research and development

Expenditure on research and development is written off in the year in which it is incurred.

Foreign currencies

Monetary assets and liabilities denominated in currencies other than the functional currency of the charity are translated at the rates of exchange prevailing at the end of the reporting period. Transactions in currencies other than the functional currency of the charity are recorded at the rate of exchange on the date that the transaction occurred.

All exchange differences are are taken into account in arriving at net income/expenditure.

Leased assets

Where the charity enters into a lease which entails taking substantially all the risks and rewards of ownership of an asset, the lease is treated as a finance lease.

Leases which do not transfer substantially all the risks and rewards of ownership to charity are classified as operating leases.

Assets held under finance leases are initially recognised as assets of the charity at their fair value at the inception of the lease or, if lower, at the present value of the minimum lease payments. The corresponding liability to the lessor is included in the balance sheet date as a finance lease obligation. Lease payments are apportioned between finance expenses and reduction of the lease obligation so as to achieve a constant rate of interest on the remaining balance of the liability. Finance expenses are recognised immediately, unless they are directly attributable to qualifying assets, in which case they are capitalised in accordance with the charity's policy on borrowing costs. Assets held under finance leases are depreciated in the same way as owned assets.

Operating lease payments are recognised as an expense on a straight-line basis over the lease term. In the event that lease incentives are received to enter into operating leases, such incentives are recognised as a liability. The aggregate benefit of incentives is recognised as a reduction of rental expense on a straight-line basis.

Pension costs

The charity operates a defined contribution plan for its employees. A defined contribution plan is a pension plan under which the charity pays fixed contributions into a separate entity. Once the contributions have been paid the charity has no further payments obligations. The contributions are recognised as expenses when they fall due. Amounts not paid are shown in accruals in the balance sheet. The assets of the plan are held separately from the charity in independently administered funds.

Page 12

Clean Slate Financial Wellbeing Services CIO Notes to the Accounts

Receipt of donated goods, facilities and services

All donated goods, facilities and services received are recognised within incoming resources and expenditure at an estimate of the value to the charity.

2 Statement of Financial Activities - prior year

2 Statement of Financial Activities - prior year
Income and endowments from: Donations and legacies Charitable activities Other trading activities Total Expenditure on: Charitable activities Other Total Net income Net income before other gains/(losses) Other gains and losses: Net movement in funds Reconciliation of funds: Total funds brought forward Total funds carried forward 3 Income from donations and legacies Donations Received 4 Income from charitable activities Grants Received	Unrestricted £ 2,146 2,146 Restricted £ 60,254 60,254	Unrestricted funds 2023 £ 600 10,000 16,566 27,166 1,388 24,241 25,629 1,537 1,537 1,537 (4,257) (2,720) Total 2024 £ 2,146 2,146 Total 2024 £ 60,254 60,254	Total funds 2023 £ 600 10,000 16,566
			27,166 1,388 24,241
			25,629
			1,537
			1,537
			1,537 (4,257)
			(2,720)
			Total 2023 £ 600
			600
			Total 2023 £ 10,000
			10,000

Page 13

Clean Slate Financial Wellbeing Services CIO Notes to the Accounts

5 Income from other trading activities

5	Income from other trading activities
			Unrestricted	Total	Total
				2024	2023
			£	£	£
	Contract Income		15,046	15,046	16,566
			15,046	15,046	16,566
6	Expenditure on raising funds
			Unrestricted	Total	Total
				2024	2023
			£	£	£
	Fundraising trading costs
	Fundraising costs		674	674	-
			674	674	-
7	Expenditure on charitable activities
			Unrestricted	Total	Total
				2024	2023
			£	£	£
	Expenditure on charitable
	activities
	Charitable Expenditure		-	-	1,388
	Volunteer Expenses		3,213	3,213	-
	Governance costs
			3,213	3,213	1,388
8	Other expenditure
		Unrestricted	Restricted	Total	Total
				2024	2023
		£	£	£	£
	Bank loan and overdraft interest payable	19	-	19	19
	Employee costs	(1,598)	45,143	43,545	16,880
	Motor and travel costs	2,942	-	2,942	941
	Premises costs	3,020	806	3,826	1,219
	Amortisation, depreciation,
	impairment, profit/loss on	1,764	-	1,764	1,343
	disposal of fixed assets
	General administrative costs	2,720	1,433	4,153	3,681
	Legal and professional costs	5,275	-	5,275	158
		14,142	47,382	61,524	24,241

Page 14

Clean Slate Financial Wellbeing Services CIO Notes to the Accounts

Clean Slate Financial Wellbeing Services CIO Notes to the Accounts
9 Net income before transfers This is stated after charging: Depreciation of owned fixed assets 10 Staff costs Salaries and wages Social security costs Pension costs No employee received emoluments in excess of £60,000. 11 Intangible fixed assets	2024 £ 84 2024 44,137 (2,178) 1,006 42,965	2023 £ 83 2023 14,875 1,354 562
		16,791

Cost At 27 March 2023 At 31 July 2024 Amortisation and impairment At 27 March 2023 Amortisation charge for the year At 31 July 2024 Net book values At 31 July 2024 At 26 March 2023 Branding	Other £ 6,300 6,300 2,520 1,680 4,200 2,100 3,780	Total £ 6,300
		6,300
		2,520 1,680
		4,200
		2,100
		3,780

Page 15

Clean Slate Financial Wellbeing Services CIO Notes to the Accounts

12 Tangible fixed assets

Computer Equipment £ Cost or revaluation At 27 March 2023 248 Additions 297 At 31 July 2024 545 Depreciation and impairment At 27 March 2023 83 Depreciation charge for the year 84 At 31 July 2024 167 Net book values At 31 July 2024 378 At 26 March 2023 165 13 Debtors 2024 £ Other debtors 41 Prepayments and accrued income 624 665 14 Creditors: amounts falling due within one year 2024 £ Trade creditors 212 Other taxes and social security 440 Accruals - Deferred income - 652 15 Deferred Income Movement of the deferred income shown in_Creditors: amounts falling due within one year_ 2024 £ At 27 March 15,625 Released in current year (15,625) Deferred in current year - At 31 July -	2024 £ 41 624 665 2024 £ 212 440	Computer Equipment £ 248 297 545 83 84 167 378 165	Total £ 248 297
			545
			83 84
			167
			378
			165
			2023 £ - -
			-
			2023 £ - 2,178
	-		(1)
	-		15,625
			17,802
			2023 £ - - 15,625
			15,625

Page 16

Clean Slate Financial Wellbeing Services CIO Notes to the Accounts

16 Movement in funds

At 27 March 2023 Restricted funds: Restricted income funds: Budgeting Support - Financial Wellbeing - Financial Wellbeing for Members - Financial Wellbeing in Recovery - Suicide Prevention Project - Treatment & Recovery - Total - Unrestricted funds: General funds (2,720) Total funds (2,720) Purposes and restrictions in relation to the funds:	Incoming resources (including other gains/losses ) £ 7,058 4,200 1,000 9,996 26,000 12,000 60,254 17,192 77,446	Resources expended £ (2,351) (4,200) (1,000) (5,831) (26,000) (8,000) (47,382) (18,029) (65,411)	At 31 July 2024 £ 4,707 - - 4,165 - 4,000
			12,872
			(3,557)
			9,315

Restricted funds:
Budgeting Support
Financial Wellbeing
Financial Wellbeing for Members
Financial Wellbeing in Recovery
Suicide Prevention Project
Treatment & Recovery

17 Analysis of net assets between funds

Fixed assets Net current assets	Unrestricted funds £ 2,478 6,837 9,315	Total £ 2,478 6,837
		9,315

Page 17

Clean Slate Financial Wellbeing Services CIO Notes to the Accounts

18 Reconciliation of net debt

Cash and cash equivalents Net debt	At 27 March 2023 £	Cash flows £	At 31 July 2024 £
	11,137	(4,313)	6,824
	11,137 11,137	(4,313) (4,313)	6,824
			6,824

Commitments *Operating lease commitments* Annual commitments under non-cancellable operating leases 2024 Land and buildings £ Operating leases with expiry date: *Pension commitments* The pension cost charge to the charity amounted to:	are as follows: 2024 Other £ 2024 £ 1,006	2023 Land and buildings £	2023 Other £ 2023 £ 562

19 Commitments

Page 18

Clean Slate Financial Wellbeing Services CIO Detailed Statement of Financial Activities

for the period ended 31 July 2024

Income and endowments from: Donations and legacies Donations Received Charitable activities Grants Received Other trading activities Contract Income Total income and endowments Expenditure on: Costs of other trading activities Contract Income Total of expenditure on raising funds Charitable activities Grants Received Total of expenditure on charitable activities Other expenditure Bank loan and overdraft interest payable Employee costs Salaries/wages Employer's NIC Pension costs Staff training Motor and travel costs Travel and subsistence Premises costs Rent Premises insurances	Unrestricte d funds 2024 £ 2,146 2,146 - - 15,046 15,046 17,192 674 674 674 - 3,213 3,213 3,213 19 19 - (2,178) - 580 (1,598) 2,942 2,942 2,194 773	Restricted funds 2024 £ - - 60,254 60,254 - - 60,254 - - - - - - - - - 44,137 - 1,006 - 45,143 - - 806 -	Total funds 2024 £ 2,146 2,146 60,254 60,254 15,046 15,046 77,446 674 674 674 - 3,213 3,213 3,213 19 19 44,137 (2,178) 1,006 580 43,545 2,942 2,942 3,000 773	Total funds 2023 £ 600
				600
				10,000
				10,000
				16,566
				16,566
				27,166 -
				-
				- 1,388 -
				1,388
				1,388 19
				19
				14,875 1,354 562 89
				16,880
				941
				941
				1,207 -

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Clean Slate Financial Wellbeing Services CIO Detailed Statement of Financial Activities

Premises repairs and maintenance General administrative costs, including depreciation and amortisation Depreciation of Computer Equipment Impairment losses - intangible FA Postage and couriers Software, IT support and related costs Stationery and printing Subscriptions Sundry expenses Telephone, fax and broadband Legal and professional costs Audit/Independent examination fees Accountancy and bookkeeping Consultancy fees Other legal and professional costs Total of expenditure of other costs Total expenditure Net gains on investments Net income Net income before other gains/(losses) Other Gains Net movement in funds Reconciliation of funds: Total funds brought forward Total funds carried forward	53 3,020 84 1,680 87 191 687 1,739 - 16 4,484 928 4,036 275 36 5,275 14,142 18,029 - (837) (837) - (837) (2,720) (3,557)	- 806 - - - - - - 1,433 - 1,433 - - - - - 47,382 47,382 - 12,872 12,872 - 12,872 - 12,872	53 3,826 84 1,680 87 191 687 1,739 1,433 16 5,917 928 4,036 275 36 5,275 61,524 65,411 - 12,035 12,035 - 12,035 (2,720) 9,315	12
				1,219
				83 1,260 675 200 1,267 577 378 584
				5,024
				- - 110 48
				158

				24,241
				25,629 -
				1,537
				1,537 -
				1,537
				(4,257)
				(2,720)

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