At this month’s meeting of the Board, the latest monthly Management Accounts were approved. We discussed the ongoing cost of living crisis and its effects and would remind our Members that their financial well-being is important to us and if you are worried about debt, there are a variety of organisations that can help that you can find them on our website at scotwest.co.uk/struggling-with-debt. The Board also agreed that from 1 October 2022 the annual Dividend Rate will increase to 0.2%.