May we take this opportunity to wish you a very Merry Christmas and a prosperous New Year.

As we reflect on 2018 we are grateful for many things but especially such  wonderful clients, lovely suppliers and a fantastic team in the a4c office.

We’ve worked really hard to get the majority of the self-assessment tax returns filed during 2018 and therefore we will be closing the office for a few days over Christmas to rest and recharge our batteries, ahead of the final push towards the filing deadline at the end of January.

The office will close on Friday 21st Dec and will reopen on Wednesday 2nd Jan.

If you need to file a tax return in January for the 2017/18 tax year then please use the Christmas period to gather your paperwork together and email

Remember that you need to declare all sources of income during the year, such as:

  • employment / pension income
  • self employment
  • rental property profits
  • interest on savings / dividends
  • foreign earnings
  • capital gains

01737 652 852  /

Last week Esther & Natasha attended Xerocon, the accountancy industry’s annual conference, hosted by Xero.

The Xerocon event was held at the Excel conference centre in London and hosted by Louise Minchin – it was very rock n roll and not at all what you would expect for a room full of accountants!

The theme was ‘Human At Heart’ and each of the keynote speeches were focussed on artificial intelligence (AI) and how our lives will be changed by automation in years ahead.


Of course, the automation is largely driven by HMRC’s project called Making Tax Digital (MTD), where the 2.1 million business who are registered for VAT will need to use approved software to file their VAT returns from April 2019.

A large chunk of the event was dedicated to MTD; who is affected and how the changes need to be implemented.

At a4c, Natasha is our qualified MTD advisor, with the rest of the team taking their certifications later this month.

Xero are launching an MTD advertising campaign on the topic, a sneak preview of which can be viewed here:

Change is hard

As individuals, we are naturally programmed to fear change.

Gert Leonhard is a Futurist and he gave a keynote presentation on how data is the new oil.

It’s unsurprising that the richest companies in the world trade in data; Apple, Microsoft, Facebook etc.

The internet of things is our new nervous system and when companies such as Amazon use data to plan deliveries based on weather and traffic conditions, they are all taking data and turning it into knowledge.

We should embrace these smart machines but accept they are more like intelligent assistants than terminator type robots to be feared (perhaps IA rather than AI?!)

Cloud is the future

There’s been a massive shift to the cloud in the last decade across all walks of life, for example:

  • Consider how the music industry has changed from record shops to online streaming.
  • The pop charts now record success based on downloads rather than sales.
  • Media & marketing is now all about the social media presence.
  • Who has the most likes and shares!
  • Transportation now includes smart motorways which know about congestion and pollution and change the speed limits accordingly.
  • Banking is done via apps and contactless cards.
  • Accounting and book-keeping is going hands free with Receipt Bank and Xero smart software combinations.
  • And so it continues…

In thirty years’ time because of automation there will be jobs that haven’t even been invented yet.  Already we have ‘Meme Makers’ and ‘Royalty Miners’, what other crazy sounding jobs will future generations aspire to have?!

Xero Improvements

Of course, the conference wouldn’t be complete without Xero showcasing their latest software improvement releases.  And we’re very excited with the upcoming releases, these include:

  • Renewed navigation
  • Improved invoice layout
  • Simpler ways to add new customer details
  • Autosave is a welcomed addition to avoid lost data
  • Autocomplete to help you benefit from machine learning and text prompts
  • 20 big features will be added to the mobile app, including P&L at a glance, print using air print, simpler sales and bill creation.
  • And of course, the largest chunk of development resource has been on the HMRC MTD project. The Beta site looks very impressive and we’re delighted that Xero have used the required HMRC changes to improve the Xero user experience.

Xero Love

You will already be aware how impressed we are at a4c with Xero.  It’s simple to use and supports clients to take control over their business affairs.  The company is always looking to improve and shares our desire to make your accounting experiences better and hassle-free.

As we head towards 2019 a4c will be embracing the change all will face in terms of MTD.  As a team, we are spending a lot of time researching and training ourselves on the new HMRC requirements so that we can fully support you with compliance.

But more than MTD, we want to ensure that where possible we focus the power of artificial intelligence to make your day to day lives easier when it comes to record keeping, as we know this will help you to save tax and understand what your business needs to grow and thrive in an ever-evolving technological landscape.

On Monday 5th November 2018, Esther attended a Brexit event hosted by CABS in Westminster.

The format was a panel discussion followed by questions from the floor.

Guest speakers included:

  • Michelle Ovens – Small Business Charter
  • Lord Young – Entrepreneur & Formally David Cameron’s Advisor on Enterprise
  • Neil Warwick – FSB Policy, Partner at Square One Law Firm
  • Richard Davies – TSB bank
  • Emma Jones – Enterprise Nation Founder
  • Professor Mark Hart – Aston Business School


Neil, Richard, Michelle, Emma & Mark (from left to right)

There is a world beyond Europe and a time beyond Brexit…

The message of the day was a positive one and made it clear that for small businesses Brexit is an exciting opportunity.

Small businesses are innovative and able to cope with opportunities, they are also flexible and can change course very quickly and efficiently, adapting to threats.  With this in mind the Brexit situation should be treated no differently from GDPR, Making Tax Digital, Pension Auto Enrolment or any other changes in legislation that has impacted you in recent times.

In fact Liam Fox, Secretary of State for International Trade, has been quoted recently as saying “There is a world beyond Europe and a time beyond Brexit”, which is valuable advice.

Hope for the best but prepare for the worst!

Good working practices, clear leadership and efficient processes will insulate businesses from any temporary wobbles in the economy.  The EU gives us four freedoms and therefore you should consider a contingency plan in each of the following areas:

  • People
  • Goods
  • Services
  • Capital

Drilling in further Professor Mark Hart explained the importance of the three Cs:

Customers – who are your customers, what do they want, why do they choose you, where is your area of risk?

Capacity – what are you doing to service your customers efficiently, do you have sufficient resources, are you lean and what is your value per head?

Cash – Ensure you have a good relationship with the bank in case you need funding and perhaps now is not the time for investment!


Not unsurprisingly, there was a lot of discussion around how businesses should export to Europe after Brexit.  You have the option to become a Trusted Trader, however this is a huge admin burden, requiring over 500 pages of evidence to be submitted.  Instead use a freight forwarding company who is a Trusted Trader already, such as DHL, Amazon etc.

The message was clear that the appetite for UK products and services is growing around the world and many exporters find Europe to be as challenging as the domestic market, however looking further afield will give you a better opportunity to sell.

Rather than adapting for Brexit alone, use this opportunity to review your whole business model to see how you can improve in all areas.  What’s your footprint, are you a regional, national or international business.  If you think outside of your comfort zone could you expand to develop in these markets?

Forget Brexit concentrate on Digital…

Developments in technology are fundamental in becoming more efficient and to boost growth.  The opportunity with digital tools is better than ever so you should forget measuring success by the number of staff but instead look at the value generated.

Examples were given of a very successful Amazon business owner, running an enterprise from her bedroom but benefiting from the Amazon fulfilment centre and Amazon market place giving them an annual turnover of £1million+ from one employee!


In many ways, the noise and uncertainty around Brexit and the resulting devaluation of the pound will make it cheaper to come to the UK and therefore we are likely to see tourism grow.

Intellectual Property

Trademarks, designs, copywrites etc are not impacted by the Brexit dealings.

Biggest dangers of an EU supply chain

The media has been scaremongering in two key areas.  Rather than believe the hysteria you you need to push back within your supply chains.  Work with suppliers to achieve collaboration.

  • Try to avoid stockpiling.  This will cause you problems with cash flow and storage capacity issues.
  • Try to avoid pressure to inlude Brexit clauses in your contracts.  Speak to a legal professional if you need help to push back.

An alternative to importing from the EU, which many are considering, is to bring your manufacturing requirements back onto UK soil.  It’s likely to be cheaper and the developing nations are clamouring for all things quintessentially British!

Should you open a Dublin office?

No, you should avoid any drastic separation plans, especially when we don’t know the details of the deal.  Spending time on these strategies is going to take a huge amount of your time, money and energy, when you should actually be concentrating on being more efficient and growing nationally.

Deal or No Deal?

Lord Young made it very clear that Germany need the UK and generally what Germany want the EU delivers.  With this in mind, the likelihood of crashing out of the EU without a deal is highly unlikely.  We will know for sure on 26th January 2019 but all indicators are pointing towards a workable deal.

Get support

There is lots of support for Entrepreneurs concerned with Brexit but the responsibility has to be for the business owner to go out and get it, for example from your freight forwarding company, the banks, department of trade & industry etc.   Ask lots of questions and do your research.

Of course, you can also work with your accountant to review your management information, helping you to plan and create cash forecasts for your business.


It was a very positive Brexit event.

There was genuine optimism that Brexit offers huge potential to small businesses.  As with all areas of change you should concentrate on the opportunities.

Eventually Brexit will be behind us, it will be branded as a success for both sides and the UK will go back to business as usual!

On Monday 29th October 2018, Philip Hammond, the Chancellor of the Exchequer, delivered his Budget Report 2018.

You may have seen the headlines in the papers and on the news but here are the details which are most likely to affect you.


This was a positive budget with the Chancellor announcing how an end to austerity is in sight.  There were significant commitments to spending on public services, as well as tax cuts for families and businesses.

Note the caveat however, where Mr Hammond reserves the right to turn the 2019 Spring Statement into a full Budget, depending on the Brexit deal agreed with the EU!

The highlights

  • IR35 in the private sector – a reprieve until April 2020 & smaller engagers will be exempt
  • Sole Traders : Class 2 NIC is NOT being abolished (currently £2.95 pw)
  • The personal allowance is increasing to £12,500 from 2019/20
  • The higher rate threshold is increasing to £50k from 2019/20
  • Dividend Allowance – no change, from April 2018 will remain at £2k
  • Insolvency – directors could now be held jointly liable for unpaid company tax liabilities.

Business Tax

  • Corporation tax will remain at 19% until April 2020 when it then drops to 17%.
  • Capital Allowances – the annual investment allowance is currently £200k, from 1st January 2019 this will increase to £1m for a two-year period.
  • The capital allowance special rate pool is being reduced from 8% to 6%, well known as the pool for assets such as electrical systems, cold water systems, heating etc.  but this also includes cars with Co2 emissions greater than 110g per km.
  • A new digital services tax is being introduced to target Google, Amazon, Facebook etc.  They will be charged 2% of their revenue (so hitting the top line instead of the bottom line).  It’s a temporary measure until a global tax agreement can be implemented.
  • IR35 in the private sector has been pushed back until April 2020.  Small organisations will be exempt, with the responsibility of assessment falling to the medium to large organisations engaging the PSCs.
  • The Employment Allowance remains at £3k but is being targeted so that only small businesses with Employer’s NIC bills under £100k will benefit.
  • Class 2 NIC is not being abolished, as previously announced.
  • Business rates are being cut by a third for small retailers.
  • Insolvency – directors could now be held jointly liable for unpaid company tax liabilities

Personal Tax

  • The Personal Allowance is increasing to £12,500 from 2019/20 (from £11,850)
  • The higher rate threshold is increasing to £50k from 2019/20 (from £46,350)
  • Dividend allowance remains at £2k, with dividend tax also remaining unchanged at 7.5%, 32.5% and 38.1% for basic, higher and additional rate tax payers.

Capital Gains

  • Entrepreneurs Relief has been tweaked so shares need to have been held for two years (instead of the previous 12-month minimum holding period).  Directors / employees are also required to have had at least 5% shares AND 5% of distributable profits and assets.  If the criteria is met then the tax payable on a gain remains at 10%.
  • Private residence relief – we could see the final period exemption reduced from 18 months to 9 months, this is subject to consultation.
  • Lettings relief has also been changed so that it only applies where the owner of the property is in shared occupancy with the tenant.
  • Capital Gains Tax annual exemption is increasing to £12k April 2019 (from £11,700).


The VAT registration threshold will remain at £85k for the next two years.

Beware!  if the threshold drops then it will DRAG huge numbers of businesses into Making Tax Digital, which comes in from April 2019!


  • There’s a new plastic packaging tax.
  • Alcohol duties are frozen for spirits, beers and cider, with increases from Feb 2019 for high strength cider and wine.
  • Tobacco duty will increase.
  • Fuel duty will be frozen.

In other news…

The Royal Mint will produce a coin to commemorate the UK leaving the European Union. This ‘Brexit’ coin will be available in Spring 2019.


For the full Budget Report 2018 visit

Or to discuss how the Budget Report 2018 will impact you and your business give us a call on 01737 652 852.

This year many of our clients are likely to experience higher tax bills, due to the changes in Dividend Tax and increased profits on their property rentals.  Others might find themselves affected by the High-Income Child Benefit rules.

No Shocks or Horrors

To avoid any nasty surprises, we are aiming to get all tax returns completed and filed in the coming weeks.

Therefore, please gather together your self-assessment information and email, post or hand deliver your records to the a4c team in Newdigate by 31st October.


We appreciate that knowing where to start can be daunting and we have many templates we can email to help, but this guide gives a brief overview of the information we need from you.

Self-Employed or Partnership

We need the details of your trading income and business-related expenditure, between April 2017 and March 2018.

For example:

  • A list of sales invoices, or evidence of money received from customers
  • Bank statements showing money in, money out and closing bank balance
  • Details of expenditure, such as:
    • Tools & materials
    • Workwear
    • Professional memberships
    • Training courses undertaken
    • Fuel or mileage
    • Telephone / internet costs
    • Stationery & postage
    • Advertising and marketing
    • Anything else that is a legitimate expense in order to deliver your products or services.

Creep it Real

Remember that any costs you deduct from your turnover to reduce your profits (and therefore bring down your tax bill) must be real and supported by evidence.  You should always keep supplier invoices / receipts and bank transaction records as evidence in case HMRC ask to see these in the event of a business records check.


If you had PAYE employment we need your P60 for 2017/18.  If you received taxable benefits then we also need your P11d.


Income from a pension is treated in the same way as PAYE employment and you should have been sent a P60 from each pension you receive.  In most cases you will have already paid tax on the funds but you may owe additional tax, depending on your other sources of income.

Property or Land

If you own a property or land which is rented out then you need to declare the rental profits.  These are calculated by taking a list of the income (rents received) and deducting expenditure (management fees, services charges, rates, repairs etc).

You can also claim finance costs, for example in relation to interest paid on a mortgage but this year the relief is limited to 75%, meaning that your property profits will be higher than in previous years.

Remember if you jointly own property or land then you only have to declare your share of the profits, therefore we need to know your ownership split.

Savings & Investment Dividends

You need to declare interest received on savings and any dividend payments received on shares that you own.  Your bank or the company you own shares in should have provided certificates.

Foreign Earnings

A few clients have interests overseas, so be sure to declare this, albeit there are double tax treaties with most countries, meaning that if the income has had tax paid on it in the originating country then you are not likely to be taxed in the UK also.

Capital Gains

If you disposed of an asset during the year then you need to calculate how much of a gain or loss was made.  For example, if you sold a second property, jewellery, art works etc and made a profit this needs to be declared with possible Capital Gains Tax due.

Treats for Subbies…

There are many subcontractors working in construction who haven’t yet filed their tax returns but are likely to be due a Tax Rebate.  HMRC are turning these around in approximately 4 weeks so submit your paperwork asap to receive a bonus before Christmas!

Avoid Skeletons in Later Years

It’s easy to forget to include some things on your tax return, but our experience is that they always come back to haunt you in the future.

Make sure you declare ALL your sources of income.

Savings accounts earn interest (not always a great deal) and tax is no longer deducted at source so this need to be included on your tax return.

Remember to tell us if you, or your partner, receives Child Benefit payments, as you might need to pay some back if earnings in your household exceed the allowable limit.

If you’ve made charitable donations these can help extend your Basic Rate band, thus saving you tax, so don’t forget these!

No Fear

As always the team at a4c are on hand to give support and answer any questions you have so get in touch today.

HMRC lost another interesting case this week involving football referees and their employment status.

An assessment of over £500k in unpaid tax and national insurance had been raised against a company called the Professional Game Match Officials Ltd (PGMOL), on the basis that HMRC considered some of their football referees to be employed, rather than self-employed.


PGMOL provides referees and match officials to competitions such as the Premier League, FA Cup and the English Football League (Championship, League 1 and League 2).  The company has three members, the FA, the FA Premier League and the English Football League.

Many of the referees are employed by PGMOL under full-time contracts and are paid via PAYE, these are referred to as ‘Select Group’ referees.  They have defined roles within the business and are deemed to be under the supervision, direction and control of their employer.


The case with HMRC relates to a ‘National Group’ of self-employed individuals who referee in their spare time, often alongside other full-time employments.  These refs officiate matches in the EFL and FA Cup.  They are paid a modest fee by PGMOL and expenses by the home club and not via the FA.  HMRC argues they should be deemed as employees.

The Employment Status Test

From other blogs we’ve written, you might be familiar with the things HMRC look for when deciding if an individual is genuinely self-employed:

  • Is there the right of substitution?
  • Do they provide their own tools and equipment?
  • Can they decide what work to undertake, how and when to do it?
  • Do they have multiple clients?
  • If a mistake is made do they need to rectify it in their own time, at their own expense?


Often a contract between the client and the self-employed worker stipulates many of the above clauses, but HMRC then look to see if the working practices correctly reflect the terms.

So, Were The Refs Offside?

There is no right of substitution.

The National Group referees are provided kit to wear on the pitch and suits to wear to and from games showing the PGMOL logo.  However, they are expected to provide their own football boots, watches, cards and whistles.  They also have their own computers and pay for gym membership and Sky Sports TV Subscriptions personally.  Although PGMOL does offer a heart screening programme and psychological support.

The referees have no obligation to accept match appointments and although they can’t pick which matches to work at, they can give a geographical preference.  They are expected to have a satisfactory level of fitness and to obey the football match rules and regulations, laid out by the FA.

The referees only have one paymaster.  They are not required to raise invoices, but when they submit their post-match report, payment is automatically released.

All referees, whether employed directly or self-employed, have a clause in their contract relating to immediate dismissal if caught accepting bribes.  They must also log all gifts or hospitality received for more than £50, with anything over £100 needing prior approval.

If a referee does not show up for a match they are not paid.  They can also be cancelled at short notice.

HMRC’s Attack

HMRC argued that the self-employed referees had an obligation to attend matches.

HMRC argued that PMGOL had sufficient control over them.

HMRC argued that the referees only worked for one primary paymaster and were not able to select their hours.

HMRC were adamant that the referees were not in business on their own account.

Time for VAR

The first tier tribunal disagreed with HMRC.  Whilst there were pointers towards employment status there were sufficient exceptions in relation to mutuality of obligation and control for the ruling to confirm that the refs were self-employed and therefore the tax and NIC were not due.

Refs Win on Penalties

It was an interesting case and shows how the rules on employment status are not always clear.

Our advice to businesses and self-employed workers is to check your contracts and ensure that your working practices truly reflect a distinction between the client and the worker.

Key things to keep in mind are Supervision, Direction and Control, if the power in these areas is with the Client then an employment status challenge by HMRC could result in a home defeat!

Receipt Bank is a paperless bookkeeping platform which allows you to capture supplier invoices and expense receipts digitally and then pass these seamlessly into Xero for direct integration with your accounts.

When you receive a supplier invoice or receipt, simply snap a photo of the document, using the mobile app on your smart phone.  Or for supplier invoices that you receive by email and for any digital invoices (Uber, Amazon, etc.), simply forward these to your dedicated Receipt Bank email address.

Receipt Bank will extract the data from the document and feed this magically into Xero.

Your data is stored securely in the cloud so once the submission is completed, you can throw that receipt away! Less paper and less hassle for you.

Receipt Bank is being offered as a bolt-on to your a4c accountancy services, so for less than the cost of a Costa Coffee you can embrace this exciting new technology.

Get in touch today to find out more.

An exotic dancer has been allowed to claim the cost of certain clothes, hairdressing and make-up against her profits!

HMRC recently challenged a self-employed exotic dancer who performed at Stringfellows nightclub in central London. Their accusation was that she had claimed for clothing and make-up which they did not consider to be allowable expenses.

With help, the dancer fought the challenge and was successful.

A similar challenge was raised a few years back against a barrister who lost her cases for claiming dark suits and white blouses as business expenses.

So what differentiates these two cases?

The barrister was adamant that the clothes purchased were ‘wholly and exclusively’ for the purpose of her profession and that she would never have worn such clothes privately.  However, it was deemed that because the clothes had a second purpose, namely that of providing warmth and decency, that there was a duality of purpose, the clothes could have been worn privately and were therefore not deemed allowable.

On the other hand, in the case of the exotic dancer it was deemed that the clothes she purchased were deemed inappropriate to be worn outside of the nightclub.  As they could not be described as providing warmth and decency the costs were allowed to be deducted from her profits.

Lessons learned

What can we take from this?  If you purchase clothes in relation to your business, which cannot be worn away from the job they are likely to be allowable.  If it could be argued that there’s any duality of purpose then it’s a no-no.

Apparently while no-one cares if you look like an off-duty barrister on the bus, the courts draw the line at looking like an off-duty exotic dancer!

Sitting at a desk all week can play havoc with your fitness levels.

This is why Esther & Natasha look for different and interesting challenges to train for.  There have been a few running events (inlucing the London Marathon) and many mud & obstacle challenges along the way but on Saturday 4th August we attempted THE challenge that almost broke us!

Here’s our write up of the day:

Saturday 4th August 2018

Today was the inaugural TSFE Fan Dance Hunted event and Natasha and Esther bravely volunteered ourselves as wolf bait.

The Fan Dance is a route well-known within military circles as part of the selection process for the Special Forces.  It’s a 24km route across the Brecon Beacons, which encompasses a climb to the top of the Pen Y Fan mountain, the highest peak in South Wales.

The Fan Dance Hunted event follows the traditional Fan Dance route but competitors are given an arm band and a fifteen-minute head start before a pack of wolves (super fit military personnel in yellow) are released with the sole purpose of catching entrants and reclaiming the arm band.  Add to this the anxiety of a halfway cut-off time, where those failing to meet this are removed from the hills, and you’ve got yourself an adrenalin pumping event like no other…

The usual pre-race nerves kicked in as we arrived for the 7.30am registration, not helped by a delayed start .

We each weighed our back packs (14lbs for Esther & Natasha) and checked our mandatory kit – 3 litres of fluids, food, spare clothes, waterproofs, first aid kit, emergency blanket, torch, compass, map, phone & watch. The briefing took place and we shuffled to the start…


Standby, Standby, GO!

The first mile, from a standing start, is UP.  A very steep, relentless, exposed path takes you to the top of Corn Du.  We both later admitted having serious doubts about our ability to complete the challenge, due to the toughness of this first mile.   Esther was caught by her wolf before reaching the summit, although to be fair almost everyone in her category got caught by him, he was fast and very hungry!  (His finishing time was confirmed as under 2.5 hours – we stood no chance!)

As we approached the top of Pen Y Fan clouds descended and visibility was pretty poor.

We stumbled our way across the peak heading for the TSFE flag and Directing Staff.


Peering over the edge we realise the route continues via a very steep descent that literally involves jumping off boulders to rocky ground below, known as Jacobs Ladder.  Gradually the boulders turn into rocks and then become uneven steps and so we hobble down as quickly as is possible without breaking ankles in the process.

Towards the bottom of Jacobs Ladder the weather clears and we have an uninterrupted view of the route ahead.  At this point we’ve completed just over 2 miles in one hour and have another five miles to go until the halfway point.

The cut off time is 2hrs 45mins and we’re having doubts once again.

We set off along the Roman Road trotting where possible but mostly fast walking as we negotiate unstable stones, ditches and gravel.  Now the miles start flying and we’re soon through the next few checkpoints and heading into the forest for the final charge to halfway.


We make the cut off at just over two hours – don’t know what we were worried about!

A quick bite to eat and drink and we’re off to do the whole course again in reverse.

This direction feels easier, probably because we know what’s to come.  We pass a few casualties with cramp and crippling blisters and offer our words of encouragement and a dextrosol tablet or two.

We’re chatting as we trot which means before we know it we’re half way up Jacob’s Ladder.

Chatting noticeably slows as we gasp for breath and struggle to cope with the burning muscles.  Before we know it we’re at the top and ready to embrace the final mile down to the finish.

Sadly, it wasn’t an enjoyable down as by this point we’ve got aching hips, sore knees and bruised toes and the steep decline does nothing to help these ailments.

Still we both finish smiling in around five hours.  Amazingly Natasha also still has her armband as her category’s wolf was having a shocking day with cramps and therefore she completed the course evading capture!

A quick photo, medal collection, presentation of Natasha’s prize and its back onto the M4 for our journey home.

All the way home we agree never again but we said that about the London Marathon and both re-entered the ballot this year!

Until next time?

Overall this was an amazing and well organised event by TSFE and we extend our sincere thanks to Jason Bowen, his admin team and of course the wolves!

All entry fees were donated to the charity Scotty’s Little Soilders, which is a charity with royal approval that helps children of military personnel killed in action.

We also extend our thanks to the AllGirlsUK group that supported our training with organised hikes around Box Hill and endless words of encouragement.

Watch this space for our next adventure…