Tel: 01226 741000

Community Fund update….

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Following a request for a donation from our Community Fund earlier this year, we’re pleased to announce that we’ve just awarded a donation of £250 to Gateway Community Church for their “Shoestrings” project.

Gateway Church does a lot of work towards anti-poverty, about 6 years ago a group of people came together to try and reach out to those in need and provide practical help, support and guidance.

“Shoestrings” is an anti-poverty course working with people going through an emotional or financial crisis, covering things like budgets, health and hygiene and sensible shopping.

They have a big involvement in debt management and work alongside Christians Against Poverty, currently there is a 3 month waiting list to see one of their advisers.

Nowadays, many people don’t know how to budget and shop sensibly and are often blinded by the “Buy one get one free” offers and end up buying cheaper and often more unhealthy meals. Gateway addresses these issues in a clear and empathetic way.

Gateway not only provides help with budgeting and debt, they also run a Cook and Eat programme.

Working with people on a low income and struggling to get by, they teach them to shop efficiently and to prepare healthy meals.

Gateway has also been running a food bank in Barnsley for the last 4 years, providing food to those struggling on a low income, with zero hours contracts, no sick pay,  redundancies and those really struggling to make ends meet.

Neil Morris from Gateway said:

“The people of Barnsley are very generous and their donations combined with the assistance of Morrison’s in town and at Cortonwood, we’ve managed to feed over 6,500 people – that’s around 60,000 meals. In 2015 we fed just over 1,000 people and in 2016, it was over 2,000 – more than double the previous year. It’s not just people who are on the fringes of society struggling to get by, it is normal hardworking folk. At Gateway, we offer a hand up not a hand out, we continue to work with these people, providing help and guidance for as long as they need it.”

Gateway provide funding for a whole range of initiatives, including CAP debt relief; working with those who have controlling addictions which is one of the 5 causeways of poverty.

Gateway rely on people like you, not just for cash donations, but also for donating their time and knowledge as well as donations for their food bank.

If you think you can help, please contact Neil Morris on 07736449976 and find out how you could help to make a difference to someone’s life.

Neil Morris Gateway Church

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PRESS RELEASE: Sheffield Mutual achieves £100 million assets

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Sheffield Mutual Friendly Society today announced impressive financial results for 2016, with the main highlight being a 26% increase in assets, taking them over £100 million for the first time in the friendly society’s 125 year history. The Society also recorded a 34% increase in premium income, largely due to the success of its Investment ISA.

2016 Business & Financial Highlights: 

  • Total assets increased by 26% to £113.8 million (£90.4 million in 2015)
  • New policies increased by 10% to 1,915 (1,736 in 2015)
  • Premium income increased by 34% to £17.5 million (£13.1 million in 2015)
  • Membership grew by 7% to 10,678 (9,955 in 2015)
  • Including the Child Trust Fund the Society now has 77,266 policies and accounts

Sheffield Mutual generates investment returns for its policyholders through a diversified with-profits fund, which achieved an excellent investment return of 7.22%. This result, combined with the fact that Sheffield Mutual has no shareholders to pay, enabled the Society to distribute annual bonuses to policyholders worth around £1.5 million (£1.2 million in 2015). This included a bonus rate of 4.75% before charges on the Society’s Investment ISA, which compared very favourably with Cash ISA returns.

The Society has maintained a strong financial base and its surplus of £15.04 million (£13.36 million at 01 Jan 2016), which are the surplus assets in excess of technical provisions, are 136% of the solvency capital requirement.

Commenting on the results, Tony Burdin, Chief Executive, said: “It is very timely to achieve the £100 million milestone in our 125th year. Our assets were just £20 million in 2006, so it demonstrates clearly the Society’s impressive growth and development over the past decade. We expect another good year of growth in 2017, especially as the ISA allowance is increasing to £20,000 per individual for the 2017-18 tax-year.”

Tony Burdin, Chief Executive

 

For additional information please contact: Dawn Gregory, Business Development Manager – 01226 741000 or via email – enquiries@sheffieldmutual.com

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2017 Budget

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On 8 March 2017, the Chancellor, Philip Hammond, delivered his first Spring Budget. His plan is to ‘prepare Britain for a brighter future’ and that ‘we are building the foundations of a stronger, fairer, more global Britain’.

Key Points:

  • National Insurance contributions will increase for the self-employed

Class 4 National Insurance contributions will increase from 9% to 10% in April 2018 and to 11% in April 2019 for the self-employed, compared to 12% paid by employees. The Chancellor announced those earning less than £16,250 would be better off. There were no changes to National Insurance paid by the employed and employers or to income tax or VAT.

  • The Personal tax-free allowance (currently £11,000 at the time of writing) will rise to £11,500 from 6 April 2017 and to £12,500 by 2020. The higher rate tax threshold will increase from £43,000 to £45,000 from 6 April 2017
  • The UK has the second-fastest growing economy in the G7 in 2016

The Growth forecast for 2017 has been upgraded to 2% from the previous forecast of 1.4%.

  • The annual rate of inflation forecast is to rise from 2.3% to 2.4% in 2017/18 before falling to 2.3% and 2.0% in subsequent years
  • Tax-free dividend allowance reduced from £5,000 to £2,000.

From April 2018, the total amount of dividends that company directors and shareholders can receive tax-free will be slashed to “address unfairness”. This will not affect investments held within a stocks & shares ISA.

  • Tax-free ISA allowance to increase as planned to £20,000 from 6 April 2017 per individual
  • The Lifetime ISA will also be rolled out from 6 April 2017
  • £320m of funding will be provided for 110 new free schools and grammar schools
  • £100m of funding will be provided to place more GPs in accident and emergency departments for next winter
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Sheffield Mutual Member Benefits

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We’ve got a little something for you..present-blue

As well as our members benefitting from being a part of a mutual organisation, where all surplus profits go back to members not shareholders, there are currently a number of discretionary benefits available.

 

Optical and Dental Grants…

Save up to £60 every 2 years on Optical / Dental Fees

Optical and Dental Grants

Re-investment special offer…

As a member you have the option to re-invest any maturing policy into an Investment Bond and instead of the 103% guarantee, we’ll give you 104%.

Earn gift cards for generating new members…  

We’re confident that we can offer a service that is second to none and are asking our members to Tell-a-Friend or family member about us. If you introduce a new member to the Society you’ll both receive a £25 M&S or Love2shop gift card* after the new members policy starts.

Additional products – free comparison service

Looking for help with any of the following that we can’t help you with?

  • Life Insurance
  • Critical Illness Cover
  • Funeral Plans
  • Retirement Planning

We have a special arrangement with 425 Financial Solutions compare and buy team,for each policy written with them via their compare and buy team, we’ll send you a £25 M&S gift card and make a donation to charity.

Find out more>>>425 Financial Solutions

Like what you’re hearing? Why not sign up below to receive special offers and Society information by email, it only takes a minute… You could be missing out!


emailsignup

*Subject to a minimum investment of £10 per month / £100 single premium – please see the main website for full terms and conditions.

 

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Cost Cutting & Money Saving Hints & Tips…

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Nowadays every penny counts, that’s why you need to make your hard earned cash work just as hard as you do!

Here are a few hints and tips from the team at Sheffield Mutual…

Tony Burdin: Chief ExecutiveTony

 

 

 

 

 

 

 

 

 

  • Use all your tax-free savings allowances.
  • Many cash deposits are losing money when compared with inflation – consider investing money you don’t need in products that offer higher potential returns, such as Investment ISAs and Investment Bonds.
  • Shop around each year for your house and car insurance – even if staying with the same company, do a quote online as a new customer of the same company and ask them to match it.
  • If buying goods online, put the item in your basket for a couple of days and see if the firm sends you a discount code offer.
  • Save money on dental treatment and spectacles by becoming a member of Sheffield Mutual!
  • Turn radiators off or turn the thermostat down in rooms you’re not using.

Jamie Bellamy: Finance Director

Web Jamie Bellamy

 

Whatever you’re doing, always put the research in, to make sure you’ve got the best possible deal.

 

 

 

 

Curtis Parker: Client Relationship Officer

Web Curtis

Dry January / February a great cost cutting exercise and good for the body too!

 

 

 

 

Dawn Gregory: Business Development Manager

Web Dawn

Thinking of buying a new car? The new vehicle tax rates come into force April 1st 2017 – could you save money if you bought now?

 

 

Sue Squires: Office Manager

Web Sue

  • Never spend more than you can afford.

  • Never pay credit card charges by always paying your credit card bill off in full each month.

 

 

Sharon Pursley: Finance Officer

Web Sharon

  • Shop early or later to get the sticker bargains

  • Always shop around and do your research

  • Always haggle!

 

Lewis Kerry:- Financial Reporting Officer

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  • Go through your bank statements and look for things that you bought/spent money on that you didn’t need to. For example; mine was expensive coffee’s. Only a couple of pounds each time, but it soon adds up!

  • Leave your wallet/purse at home so someone else has to pay!

 

 

Debra Roberts: Member Services Officer

Web DebraMake packed lunches rather than buying pre-pack sandwiches from supermarkets or mobile catering vans.

 

 

 

 

 

 

Andrew Bonner : Member Services Administrator

DSC_4926Try things yourself first before getting in the professionals. You may be surprised with how you do.

 

 

 

 

Melissa Perry : Member Services Administrator

 Web Melissa

When ordering online, to save paying for delivery, pick up at store or a local pick-up point.

 

 

 

 

THIS BLOG PROVIDES GENERIC INFORMATION AND OPINIONS OF THE WRITER AND SHOULD NOT BE RELIED UPON FOR MAKING INVESTMENT DECISIONS. NO ADVICE HAS BEEN PROVIDED BY SHEFFIELD MUTUAL. IF YOU ARE IN ANY DOUBT AS TO WHETHER A SAVINGS OR INVESTMENT PLAN IS SUITABLE FOR YOU, YOU SHOULD CONSIDER CONTACTING A FINANCIAL ADVISER FOR ADVICE. IF YOU DO NOT HAVE A FINANCIAL ADVISER, YOU CAN GET DETAILS OF LOCAL FINANCIAL ADVISERS BY VISITING WWW.UNBIASED.CO.UK. or WWW.VOUCHEDFOR.CO.UK ADVISERS MAY CHARGE FOR PROVIDING SUCH ADVICE AND SHOULD CONFIRM ANY COSTS BEFOREHAND. ANY REFERENCE TO TAXATION IS BASED ON THE WRITER’S UNDERSTANDING OF CURRENT TAX LEGISLATION AND PRACTICE, WHICH COULD CHANGE IN THE FUTURE.

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Regular Savings – simple and affordable?

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Save RegularlyWhen it comes to savings, the easiest thing to do is to simply open a savings account, deposit your cash and forget about it until you need it. However, to make the most of your money, may not always be the best thing to do. With interest rates so low, most standard instant access savings account won’t give you a very good return on your investment. No matter how much money you have saved, it’s always a good idea to spend a little time looking at your investment options and considering your own needs.

While a long term investment plan will make you the most money, it’s always wise to have some money you can get at quickly in case of an emergency. If your boiler breaks in the middle of winter and you need to quickly find the money to have it replaced, do you have cash you can get at fast without incurring penalties? If your money is tied up in a long term investment, you could well jeopardise any chance of a good return if you take your money out early. That’s why the best idea is to have several pots for your savings. Work out how much money you have in savings, and then consider how much of this you’d like to be able to access quickly. Perhaps you’re thinking you’ll go on holiday or buy a new car in a few months, and of course it’s always reassuring to have money you can get at quickly for any unforeseen circumstances. Once you’ve worked out how much money you need in your fast access pot, the rest of your savings you can safely tie up in a longer term plan.

There are plenty of good long term savings and investments available on the market. In general, the longer length of time you can put your money away for, the better deal you’ll get when it comes to saving.  As long as you don’t want the money out before the term finishes, and of course now you have put aside some emergency money elsewhere, this shouldn’t be an issue, you should be able to get a good return. There are products that give you a guaranteed return, so you don’t have to worry about losing money either.

There’s also no reason why you can’t have several products to save money over different lengths of time. Perhaps you have a young child and you’d like to put money away for twenty years for them. You may also be planning a round the world trip in five years time. You can invest your money two different ways that will give you the most benefit and allow you to get access to your money in five years and again in twenty years.

You’ll find products created specifically for medium and for long term investments. Do your research and you’ll be able to find just the right product that will perfectly suit all your needs, but it may well be the case that splitting up your cash into several ‘pots’ is the best choice to get the best return, and allow you to access the money just when you need it.

Making your money work for you takes just a little more time than simply stashing your cash in a standard savings account, but the results are well worth it.

If you’d like more information about regular savings from just £5 per month, then please visit the Sheffield Mutual website – http://www.sheffieldmutual.com/regular-savings.

This blog provides generic information and opinions of the writer and should not be relied upon for making investment decisions. No advice has been provided by Sheffield Mutual. If you are in any doubt as to whether a savings or investment plan is suitable for you, you should consider contacting a financial adviser for advice. If you do not have a financial adviser, you can get details of local financial advisers by visiting www.unbiased.co.uk or www.vouchedfor.co.uk. Advisers may charge for providing such advice and should confirm any costs beforehand. Any reference to taxation is based on the writer’s understanding of current tax legislation and practice, which could change in the future.

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Searching for income?

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Income Bond Panel

compass

Do you have a Lump Sum to invest and are looking to receive a guaranteed income for the next 20 years? You could consider Sheffield Mutual’s INCOME BOND:

Income bullet

What is the Income Bond designed for? The Income Bond is designed to pay you a regular income to your bank account from a lump sum you invest.

Why would I choose the Income Bond instead of a bank or building society account? The Income Bond allows you to choose the amount of income you would like to receive (subject to certain limits set by HMRC) and enables you to enjoy a level of income possibly higher than the typical interest rates currently available from banks and building societies, together with the prospect of some investment growth.

How does the income work? Invest a lump sum and decide how much income you would like to receive from your bond and how often. Choose a level of income in the range of 2% to 5% per annum of your lump sum, (you can amend, suspend or re-start the income at any time).income bond green box

 

Other things you need to consider…
Unlike some interest paying accounts bonuses are not guaranteed and depend on how the Society’s investments perform. However, we have paid bonuses in every year the Income Bond has been available (since 2006).

If you choose to take a higher percentage rate of income withdrawals than the bonus rate paid, the value of your bond will of course reduce year-on-year. This is because your lump sum will reduce faster than your bonus ‘pot’ is growing. But even if you take the maximum 5% income per annum, you will still have your bonus ‘pot’ to cashin at the end of the term, plus the possibility of a final (terminal) bonus.
If you need to cash-in the bond during the first 5 years you will be charged a surrender penalty and you may receive back less than the lump sum invested less your income
withdrawals. However, the bond’s value would not be reduced in the unfortunate event of your death, so your next of kin would not be disadvantaged. The money you invest, less income withdrawn, is also guaranteed after 5 years.

Income Bond informationincome bullet 2

This information is designed purely to help potential investors understand how income is paid from the Income Bond. You should also study the product brochure, Key Features and illustration before deciding whether to invest.

THIS BLOG PROVIDES GENERIC INFORMATION AND OPINIONS OF THE WRITER AND SHOULD NOT BE RELIED UPON FOR MAKING INVESTMENT DECISIONS. NO ADVICE HAS BEEN PROVIDED BY SHEFFIELD MUTUAL. IF YOU ARE IN ANY DOUBT AS TO WHETHER A SAVINGS OR INVESTMENT PLAN IS SUITABLE FOR YOU, YOU SHOULD CONSIDER CONTACTING A FINANCIAL ADVISER FOR ADVICE. IF YOU DO NOT HAVE A FINANCIAL ADVISER, YOU CAN GET DETAILS OF LOCAL FINANCIAL ADVISERS BY VISITING WWW.UNBIASED.CO.UK. or WWW.VOUCHEDFOR.CO.UK ADVISERS MAY CHARGE FOR PROVIDING SUCH ADVICE AND SHOULD CONFIRM ANY COSTS BEFOREHAND. ANY REFERENCE TO TAXATION IS BASED ON THE WRITER’S UNDERSTANDING OF CURRENT TAX LEGISLATION AND PRACTICE, WHICH COULD CHANGE IN THE FUTURE.

Posted in Focus on product, Lump Sum Investments, Saving, Useful | Leave a reply

Cash ISA rates continue to fall

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The Bank of England voted to keep its base rate at an historic low of 0.25% on 02 February 2017, despite expectations of rising inflation and slower wage growth squeezing household budgets and spending this year.

The Bank is forecasting an acceleration in economic growth but has predicted that inflation, currently at 1.6%, could move in either direction to ensure a sustainable return of inflation to the 2% target.

So what does this mean for investors?
Savers will continue to suffer with inflation threat and progressively falling interest rates on cash ISAs for the foreseeable future with no end in sight. You may be left scouring the market for another cash ISA but with average rates at 0.46% at the end of 2016, you may want to consider an Investment (stocks and shares) ISA.

Average Cash ISA Rates

Avg Cash ISA Rates

 

 

 

 

 


Source: Bank of England, January 2011 – August 2016

Why consider an Investment ISA?
With current cash ISA rates extremely underwhelming, you could boost your returns over the medium / long term without exposing your money directly to the stock market. We’d class this as a low to medium risk investment so it could suit you if you have a cautious approach to investing.

Sheffield Mutual’s ISA has produced consistent returns over the last 5 years through its with-profits fund*. The fund uses a process known as ‘smoothing’ to iron out the ups and downs normally associated with investing so it doesn’t carry the same volatility risk as a unit-linked fund that would track the stock market’s performance.

You can transfer your cash ISA to an Investment ISA without effecting your current tax year allowance and you will retain all your ISA tax benefits. You should, however, consider holding sufficient cash elsewhere with instant access to cover any emergencies and be mindful that stock market investments can go up as well as down and you could, in some circumstances, get back less than you paid in.

Click here for a guide to Sheffield Mutual’s with-profits fund and historic bonus rates.

THIS BLOG PROVIDES GENERIC INFORMATION AND OPINIONS OF THE WRITER AND SHOULD NOT BE RELIED UPON FOR MAKING INVESTMENT DECISIONS. NO ADVICE HAS BEEN PROVIDED BY SHEFFIELD MUTUAL. IF YOU ARE IN ANY DOUBT AS TO WHETHER A SAVINGS OR INVESTMENT PLAN IS SUITABLE FOR YOU, YOU SHOULD CONSIDER CONTACTING A FINANCIAL ADVISER FOR ADVICE. IF YOU DO NOT HAVE A FINANCIAL ADVISER, YOU CAN GET DETAILS OF LOCAL FINANCIAL ADVISERS BY VISITING WWW.UNBIASED.CO.UK. or WWW.VOUCHEDFOR.CO.UK ADVISERS MAY CHARGE FOR PROVIDING SUCH ADVICE AND SHOULD CONFIRM ANY COSTS BEFOREHAND. ANY REFERENCE TO TAXATION IS BASED ON THE WRITER’S UNDERSTANDING OF CURRENT TAX LEGISLATION AND PRACTICE, WHICH COULD CHANGE IN THE FUTURE.

* Past performance is not a reliable indicator of future performance.

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Ethical Investments…

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Sheffield Mutual seeks to adopt an ethical approach to investing and it is our policy not to invest knowingly or directly in industries relating to armaments, tobacco, gambling and pornography.

What is ethical investing?

Definition – Using one’s ethical principles as the main filter for investment selection. Ethical investing depends on an investor’s views; some may choose to eliminate certain industries entirely (such as gambling, alcohol or firearms) or to over-allocate to industries that meet the individual’s ethical guidelines.

A good way to start thinking about ethical investing is to list the areas you want to avoid and where you’d like to see your money invested. From there you can come up with an asset allocation plan and begin researching individual securities and funds. Some funds and policies can be quite complex. Sheffield Mutual’s fund is one of the easier to understand and it requires no input from you as the investor, it simply states that the fund does not invest knowingly or directly in armaments, tobacco, gambling or pornography… other funds give you the options as to where you’d like your money invested and require much more input from you as the investor.

The first ethical fund was launched in 1984. There are of course many different ethical funds available so you may need to contact a suitably qualified financial adviser (which may incur a fee) to assist you in finding the right fund.asset allocation

Sheffield Mutual’s ethical fund is also a with-profits fund. It is a way of pooling the money of hundreds of investors into a single fund with ethical values. This is then invested in a mix of assets, such as stocks & shares (equities), property, commercial mortgages, gilts, bonds, fixed interest and cash. This gives members access to a wide range of different assets without directly exposing their funds to the stock market, but offers greater potential growth over say a straightforward cash investment. Sheffield Mutual’s balanced with-profits fund is managed with a view to providing a low to medium risk investment.

If you were to invest directly into the stock market your funds could fluctuate as the stock market rises and falls, which can be quite “risky” as there is a chance that you could lose your capital, but this option also has the potential for greater growth. By investing in a with-profits fund the risk is spread out over the different types of investments which reduces the risk. Sheffield Mutual also implements a smoothing process, whereby money is put aside in the “good” years to compensate for the years when the market is volatile, therefore being able to smooth out the returns.

So now it’s down to you! Where is your money currently invested? Are you happy with your returns? Have you considered investing ethically? Maybe you have not considered where your funds are invested?

Some food for thought…

THIS BLOG PROVIDES GENERIC INFORMATION AND OPINIONS OF THE WRITER AND SHOULD NOT BE RELIED UPON FOR MAKING INVESTMENT DECISIONS. NO ADVICE HAS BEEN PROVIDED BY SHEFFIELD MUTUAL. IF YOU ARE IN ANY DOUBT AS TO WHETHER A SAVINGS OR INVESTMENT PLAN IS SUITABLE FOR YOU, YOU SHOULD CONSIDER CONTACTING A FINANCIAL ADVISER FOR ADVICE. IF YOU DO NOT HAVE A FINANCIAL ADVISER, YOU CAN GET DETAILS OF LOCAL FINANCIAL ADVISERS BY VISITING WWW.UNBIASED.CO.UK. or WWW.VOUCHEDFOR.CO.UK ADVISERS MAY CHARGE FOR PROVIDING SUCH ADVICE AND SHOULD CONFIRM ANY COSTS BEFOREHAND. ANY REFERENCE TO TAXATION IS BASED ON THE WRITER’S UNDERSTANDING OF CURRENT TAX LEGISLATION AND PRACTICE, WHICH COULD CHANGE IN THE FUTURE.

 

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PRESS RELEASE: Local Mutual and their staff’s chosen charity celebrate together!

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birthday

This year is a massive milestone for Sheffield Mutual Friendly Society and Support Dogs, as they join in celebration for their 125th and 25th birthdays respectively. Sheffield Mutual has been in collaboration with Support Dogs for over 4 years, donating over £25,000 via various schemes and staff fundraising.

Support Dogs is a national charity based in Sheffield who provide and train dogs to assist people with disabilities and autism. They also train seizure alert dogs to provide a 100% reliable warning of up to 50 minutes prior to an oncoming seizure – essentially they are giving people their lives back.

Sheffield Mutual is a local friendly society who has its members’ best interests at heart, and being a mutual, likes to be involved with local community groups and charities. It specialises in tax-free savings and offer various regular premium and lump sum investment plans including ISAs and plans which include life cover. The Society has extremely high service standards and knowledgeable and friendly staff to answer your questions about its services and its products.

Business Development Manager at Sheffield Mutual Dawn Gregory said

 

“Having been around for 125 years, you’d think most people would have heard about us, but the fact is we remain a well-kept secret!

 

It is fantastic to be working for a Society that puts it’s members first and supports the local community. This year we’re also asking members and the general public to nominate charities to receive Community Fund donations and to nominate and vote for a charity to win a £5,000 charity award. Working with Support Dogs has been highly rewarding for me personally and I’m pleased we’re able to celebrate together this year.”

 

Sheffield Mutual is donating a further £2,500 to Support Dogs during 2017 – that’s £100 for every year they’ve been running so far but they do need more and have lots of ways you can help.

dogs-17

For further information please contact Dawn Gregory on 01226 741000 or email enquiries@sheffieldmutual.com or visit www.sheffieldmutual.com / www.supportdogs.org.uk

-Ends-

Posted in Charity/Fundraising/Donations, Community Fund, Members, Mutual Organisations, Sheffield Mutual News | Tagged , , , , , | Leave a reply