D.l.A.L Great Yarmouth
CHARITY NUMBER 299909
DIAL
GREAT YARMOUTH
TRUSTEE REPORT AND FINANCIAL STATEMENTS
FOR THE YEAR ENDED 31 MARCH 2025
Prepared by
Carol Ramsden
Date
31.07.25
Prepared for
DIAL Gt Yarmouth

General Informallon
CEO Report
Mission Statement
Public Benefits of DIAL
Vislon for the Future
Achlevemenls and PerfonTtance
Funding
Events
Call8 & Vlsits
Chair of Trustees Report
Reserves Policy

General Information
Name of Charity
DIAL Great Yarmouth
Charity Registration
Registered charity in England and Wales charity number 299909
Address
Kingside 26127 King Street, Great Yarmouth, Norfolk, NR30 2NX- Telephone 01493
856900
E-mail info
dial-
reat
armouth.or
VVebsite- www.dial-
reat
armouth.or
Trustees
Valerie Pettit- Chair, Stephen Bowles - Trustee, Paul Frosdick- Trustee, Roger
Gowen - Trustee, John Clare - Secretaryrrreasurer
CEO
Jo Howes
Banking
HSBC, Great Yarmouth, 40-22-22
Accountant
Carol Ramsden FICB PM.Dip, 182 Dell Road, Lowestoft, NR33 9NX

CEO Report
Here al DIAL Great Yarmouth, we're passionate about
offering support with money, benefits and debt advi￿ to
residences across Norfolk and Waveney.
As a Financial Conduct Authority registered charity, we
respond to over 7500 enquiries every year. With the
rising cost of living, the demand on our service
continues to rise and we have been very grateful to our
volunteers who have supported our advisors on home
visits, fund raising events, and much more within the
office and Charity shop. Our Friends of DIAL group has
continued to grow and we have lots of things planned
throughout 2025 in which 15 our 401h year.
We're also proud to be advocates for the Disability
Confident scheme, and we were the fist organisation in
Great Yarmouth lo achieve Level 3 status. We continue to support others in their
journey toward achieving this accreditation,
In addition to our core seNices, we have also continued to coordinate the Great
Yarmouth VCSE Group, organising meetings to bring organisations together to find
out what is taking place across the Borough and beyond. An event was hosted by
DIAL early in 2025 at St Georges Theatre to bring organisations together including
both statutory and voluntary, to find out more about the Connect to Work programme.
In 2025, we will be celebrating our 40th anniversary which is an amazing
achievement, and we could not have made it this far without the support of our
dedicated staff, volunteers and the community in which we seNe. A huge thanks
must also be given to the many funders who have continued to support us
throughout the year making it possible for our staff to provide the help and supporl
that is very mLtch needed.

From April 2024 to March 2025, DIAL was also supported by a dedicated team of...
13 Employees
5 Trustees
30 Volunteers
Mission Statement
'Our mission is to enhance the quality of life for individuals across the Borough of
Greal Yarmouth and the surrounding areas by providing comprehensive money, debt
and ben8fjt advice together with employmenl and housing guidance. We are
con7mitled to offering expert holistic guidance tailored lo the unique needs of
everyone, with a particular focus on supporting Ihose living with disabilities. ThrDugh
our dedicated sewices, we aim to empower our clients, improve Iheir financial
wellbeing, and help them navigate the challenges they face in their dally lives..
Public Benefits of DIAL
DIAL provides free, impartial, and confldential advice for disabled and vulnerable
people and their Carers in Great Yarmouth. Services include benefit entitlement
checks, assistan￿ with welfare applications, and accredited debt advice from
qualified advisors accredited with the Institute of Money Advisors at Debt Relief
Order level.
DIAL is open Mcnday- Saturday, ftjlly accessible and open to all with the Charity
Shop also being open providing affordable clothes household items and much more.
The office is located in the heart of town, and offers outreach services throughout the
Borough, ¢overing both rural and urban areas at various locations.

Vision for the Future
During 2025, we will continue to develop and work on our new Strategic plan that
was put in place at the end of 2024. This plan sets out the core priorities for the
organisation, helping us to effectively monitor and manage its resources and
services in what is an ever-changing landscape. The plan continues to provide a
framework for achieving best value, supported by having the flexibility to respond to
community needs and rapidly changing events, such as those liked to pandemics,
climate change, and the economy. This plan continues to support DIAL in achieving
its overarching aim, which is to continue our work with communities to help break the
cycle of poverty and debl. To achieve this, the plan sets out three priority areas of
work. These focus on early intervention, training, and work. The Trustee board
continue to review the plan n a quarterly meeting making any changes necessary
along the way.
Achievements and Performance
Funding
The success ofthe Know Your Nelghbourhood initiative delivered in conjunction
with St. Georges Theatre and funded by the Norfolk Community Foundation, was so
successful that additional funding was awarded allowing the two partners to continue
to deliver a revised project, This continued to be aimed at idenlifying individuals
interested in volunteering and match them with opportunities in their chosen sectors
across the borough. This funding will end in March and the oulcomes will be
published in our net.
Throughout the 24125 the Waiting Woll Project, funded by NHS England, continued
and we supported over 372 patients on the elective surgery waiting list at James
Pagel University Hospital. This innovative initiative has been aimed at optimising
patient wellbeing and readiness for surgery, ensurang physical and mentally prepared
for operation and recovery. The project was well received by patients and continued
to help address social, financial, and emotional needs, and in many cases a friendly
voice to talk to, and this project effectively bridged the gap between referral and
surgery.
The Norfolk Comrnunity Fund (NCF) provided funding for a wide range of projects
throughout the year from money for providing food and fuel vouchers to support for
our case work and Outreach activities.

GYBC continued to provide funding to support council tenants facing financial
difficulties in particular payment of rent. Working in partnership with the council we
attended visits with their rent income tearn to some of their harder to reach tenants,
offering our help and support to help reduce rent arrears and offer general budgeting
advice and money saving tips.
AGE UK continued to fund the information, Advice and Advocacy {IAA) initiative,
enabling DIAL lo provide telephone-based advi￿ and guidance for referral across .
Norfolk, with a focus on the Great Yarmouth Borough.
Baby Bank- Funded by Childrens service. This was until Sep 24 delivered by Gt
Yamiouth Library until their move to the Place.
other Key Funders include The Trussell Trust who have provided funding to employ
a multi-disciplinary advisor to work and support their Glients accessing foodbanks at
Mary Magdalen, and the Great Yarmouth Pathways project.
Events
Over the past financial year, DIAL ha5 organised numerous events supporting the
projects and initiatives it has been involved in. Here are just a few highlights:
Volunteer Street Paty - held at st Georges Thoalre and the Plaza
Volunteer Celebration Event, St Georges Theatre 22nd July 24
VCSE Meeting 29th January 25
International Women's Day, St Georges Theatre 7th March 25
We attended may fundraising events throughout the year including:
Mary Magdalen Fun Day
Shrublands Fun Day
Cliff Top Gala
We would like to thank everyone who donated prlzes for the raffles and who
purchased tickets atthese events.

Calls & Visits
We received 4734 telephone calls and had 1764 people attend reception in person.
Chair of Trustees Report
Reserves Policy
DIAL continues to hold six months in reserve to cover salaries and overheads
logether with other related operational costs including rent, general running costs
and utilities. DIAL continues lo hold reserves of £260K lapprox. 6mlhs running
ostsl to cover staffing costs, the increase in overheads, including increase in rent
and the ongoing rise in utility costs. A further impact on salary costs with the
increase in Employers National Insurance Contribution together with the increase in
the Real Living Wage will also increase DIAL'S annual overheads. The rise in April 25
has had a big impact on our staff costs and we will continue to do our best in
securing funds as we move forward throughout 2025

D.l.A.L. Great Yarmouth
CHARITY NUMBER 2999
Accounts
31 March 2025

D.I.AL. Great Yarmouth
Approval statemont
We approve the financlal slatemeJ)ts, whlch cornprise the Receipts and Payments Account, the
Statement of Assets and Liabllilies 8nd the reiated notes. We acknowtedg6 our responsibility for Ihq
statements, including th& appTopiialenes$ of the applicgble financlal reportiw framework 8nd for,.
provldlng Carol Ramsden with the records, infomatlon and explanations neceEsary for their
compilallon.
1118 cbserved that throughout the year, there was a decrease in grant funding received.
This Is reflected in the rssuits and led to the necessity of ulllising the re8eNes.
Valerie Pett5t
Chairman
31.07.25

D.l.A.L. Great Yarmouth
Accountants, report on the flnancial statements for the year ended 31.03.24 of
D.l.A.L. Great Yarmouth.
We have prepared the attached flnancial statements from the records. information and explanations supplied to us.
They are in a¢cordanGe therewlh.
caroL RovwgGlevL
Carol Ramsde
FICB PM.DIp
182 Dell Road
Lowestoft
NR33 9NX
31.07.25

O.l.A.L. Great Yarmouth
Recelpts and Payments Account
for the year ended 31 March 2025
2025
2024
Income
216,990
599,902
Expenses
Wages, salaries and other staff costs
Motor, travel and subsistence expen8es
Rent, rates, power 2nd insurance costs
Repairs and renewals of property and equipment
Telephone, fax, slalionery and other office costs
Advertising and business ontertainmenl C081s
Accountancy, legal and other professional tees
Depreciation and lossllprofill on sale
Other busines8 expenses
227,956
986
42,403
7,1[
7,738
2,955
26,663
1,208
12,329
329,344
315,509
516
42.259
6,686
8,342
200
23.794
1,261
16,172
414,739
(Lossllpyofit
112,354
185,163

D.l.A.L. Great Yarmouth
Statement of Assets and Liabilities
as at 31 March 2025
Notes
202S
2024
Flxed assets
FixtUTes, fitllngs and equipment
4,834
5,042
Current assets
Sundry Debtors
8anklbuilding society balance$
Cash in hand
481
872,008
312
872,801
984,144
603
984,747
Current liabllltles
other liabilities and accruals
1610
1410
Net current assets
872,191
984,337
Net assets
877,025
989,379
Capltal account
Capitsl account- Restricted
Net profiVILossl - RestrKled
718,566
148,648
566,219
152,347
569.918
718,S66
Capital account- Unrestricted
Net profil- Unrestricted
270,813
36,294
237,998
32,815
307,107
270,813
877,025
989,379

D.l.A.L. Great Yarmouth
Notes to the Accounts
for the year ended 31 March 2025
1 Profit and loss account analysls
2025
2024
Incom
Carers Voice Project
Community OTganisation Cost of Living Fund
4.950
47,175
Gifts and Donations
Granl-Age UK
Grant- Baby Bank
Grant- Big Lottery Funded Projects
Grant- ECC- RTWISki11s Connect Proj.
Grant- GY Pathways Mary Magdalen
Grant- GYBC - Tenants Support
Grant- Independent Age
Grant - JPH Wellbeing
Grant- Lloyds Bank Foundation
Grant- Low. & Disl. Mencap
Grant- Money & Pens. Modern. Fund
Grant- NCF- NCAN- Hardship Fund
Grant- NCF- Wailing Well
Grant- Norfolk CommurÈily Foundation
Grant - Poslcode Lottery
Grant - Right lo Succeed
Grant- RUKBA Ind.
Grant- Sl George's Theatre
NCC Gre¢n Space Event
Money Advice
Sale of Rags
Shop Takings
Sundry Re¢eipl8
1,040
18,064
1,935
2,903
34,545
68.235
185,066
11,643
24,835
19,261
25,000
2.586
12,957
17,883
24,867
2,720
3,Sl0
48,000
12,302
35,328
22,309
51,176
4,974
19,260
22,357
15,047
500
4,129
824
32,936
286
597,860
535
32,133
216
214,027
Other buslne$$ Income
Interest receivable
Rental income
925
2,038
2,￿3
850
1.192
2,042
Wages, salarfes and othèr staff co$ts
Wages and salaries
Pension conliibulions
Staff Training and Welfare
220,384
6,903
669
227,956
3D3.246
10.705
1,558
315,509
Motor, travel and subsistgnce expenses
Travel and subsistence
986
516
Rent, rates? power and Insurance costs
Rent
Insurance
L wJhl and heal
Utility costs
New Lease Gosls
28,974
7,832
2,990
447
2,160
42,403
26,400
7,142
8,229
488
42,259

D.l.A.L. Great Yarmouth
Notes to the Accounts
for the year ended 31 March 2025
Repalrs and renewals of prop8rty and equipment
IT c051s
Repairs and maintenance
5.398
1,708
7,106
4,834
1.852
6,686
Tel¥phone. faL statlonery and other offic8 costs
Telephone and f3x
stationery and printing
Software
Payroll Services
5,211
1.302
228
997
7,738
5,226
1,996
210
910
8,342
Advertlsing and buslness entertainment costs
Advertising and PR
2,955
200
Accountancy, 18gal and other profe5slonal fee5
Accountants fees
Qlher legal and professional
900
25,763
26,663
700
23,094
23.794
Deprociatlon and lossllprofitl on salo
Depreci3tion
1,208
1,261
other buslness expenses
Subscriptions
Other expenses
Bank Charges
Carers Voice Project
NCAN- Hardhsip Fund
Reprezenl Costs
Room Hire
Wamispace Cost of Living
Baby Bank Costs
1,300
2,277
178
998
1.652
201
1,784
2.510
1,637
330
7.060
2,175
6,095
305
12,328
16,172

D.l.A.L. Great Y8rmoulh
Profil And Loss Account- Restricted
For the year ended 31 March 2025
2025
2024
Income
Carers Voice PrDject
Communrty Organlsatson Cost
Grant- Age UK
Giant- Baby bank
Grant- Big Lollery Funded Proj
Grant- ECC- RTWISkills Con
Grant- G.Y. Palhways Mary Ma
Grant- GYBC- Tenants Suppo
Grant- Independent Age
Grant- JPH Wellbeing
Grant- Lloyds Bank Foundatio
Giant- Money & pons. Moderni
Grant- NCF- NCAN - Hoid5hi
Grant. NCF- Waiting Well
Grant- Norfolk Community Fou
Grant- Postcod8 Lottery
Grant- RSghl lo SuccÉed
Grant- RUKBA Ind.
Granl- Sl. G￿rge$ Thealrg
NCC Green Space Event
4,950
47,175
34,545
18,(K4
1,935
68,235
185,066
11.643
24.83S
19,261
25,000
2,586
12.957
17.883
24,887
3.910
48.000
12,302
35,328
22,309
51,176
4,974
19,260
22,357
15,047
500
177,3e3
177,383
556.783
556,783
Gr085 profil
Expenses
Accountants fees
Advertl8ing and PR
Baby bBnk c081s
ca￿r8 Voice Proje
Insurance
IT costs
Light and heat
NCAN Hardship Fund
New lease costs
Payroll SewÉc85
Pension conlributlons
Professlonal fees
Renl
Rèpairs and mainlenanco
Reprèzent Co815
Software
Staff training & welfare
ststion8ry and printing
SubscriplionE
Sundry expen8es
Telephone and postagé
Travel and Subsistence
Ulilily ￿$tS
Wages and salarie8
Warmspacè Cosl of Living
I￿0)
12,9551
{305}
17001
12001
11,7841
17,1421
{4,64n
14,1151
12,5101
17,8321
15,0461
{2,1SO)
12.175)
12,1601
(997)
16,903)
125,7631
{28,9741
11,5271
19101
110,705)
123,0941
126,4001
1208}
11,63n
12101
(9001
11,2561
{9981
1705}
15,2261
12941
14881
{303,2461
17.0601
12281
18691
{9851
{1.3001
11.0411
15,2111
12431
1447)
1220,384)
{6,093)
1324,2901
{404.4361
Pag¢1 of2

D.l.A.L, Great Yarmouth
Profit And Loss Account- Restricted
For the year ended 31 March 2025
2025
1146,907)
2024
152.347
Net l108sllprofit
Pag¢2012

D.IA.L. Great Yarmouth
Profil And Loss Account . Unrestricted
F¢y the year ended 31 March 2025
2025
2024
Incorne
Gift8 and Donations
Grant- Low.. & Disl. Mencap
Interesl
Money Advice
Rents
Sale of Rag
Shop Takings
&Jndry Receipts
1,039
2,720
926
2,903
850
4,129
1,192
824
32,936
286
2.038
535
32,133
216
39,605
39,605
43,119
43,119
Gross profil
Expense8
Bank charges
Depreciation
IT costs
Light and heal
Répairs and maintenanc8
Room hlre
Slaff training & welfaia
Stationery and printin9
Sundry ex￿nseS
Travel and SLJbslstence
11781
(1.2081
13511
ie401
(1811
12011
11,2611
11871
{4,1251
11,6441
1330}
1658}
1740)
19471
12211
13171
11,236)
17431
{5.053)
110,3041
Net profrt
34.553
32,815
Page1 of1