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Sub tract


'Our members should adopt a professional approach in paying their subscriptions' said the President (NCE 11 October).

Fair comment, but can a little element of the real world of balancing family budgets intrude?

Subscriptions are due on 1 January and are for a significant sum at possibly the most financially stretched time of the year. Many companies issue December pay cheques early - which is very nice at the time - but this results in an extended period until the next payday. Surely I can't be alone in often having shelved the Institution's demand until after the January payslip?

I note that a scheme has been put in place allowing subscriptions to be spread over the first three months of the year. But I recall that in recent years they have been on or around the 21st to 23rd of the month. A family used to having a budget will quickly see that this is too early for payday, and sufficiently late in the monthly cashflow cycle to risk sending you into dangerous waters.

Can I suggest that the renewal date is moved to a less financially exposed time of the year, while also offering a proper budget plan which would allow payments to be spread over a longer period and with a choice of dates for direct debit payments.

David Gartside (M), 19 The Mount, Congleton, Cheshire CW12 4FD

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