Two children, and one allowance going unused every year
Activities and school are well covered. The gap is wealth: four years of bank
data show no ISA or Junior ISA being used, and that allowance cannot be backdated.
£3,540
Children / 12 months
£1,014
Cheer / year
5 Apr
ISA deadline
4 yrs
Allowance unused
Francoise-Anaïs Bernard
Born 30 June 2013 · Prendergast School
Place accepted March 2024 (Lewisham application 209-2024-09-E-002459). Holds US
documents — passport, Social Security card, Consular Report of Birth Abroad. Adoption was
in process; papers are in 1. Adoption.
A CAMHS telephone appointment is booked for 24 August 2026, 15:00.
Mina
Nursery records, maths, and a health referral
Antitrypsin test referrals on file (3. Health / Mina) — noted
as existing; contents not read. Maths work and nursery paperwork under
4. Family & Children.
What the children cost
Last 12 months · joint account
Item
12 months
Payments
Note
Cheer London Allstarz
£1,014
12
Across two payee spellings
Iris Pay
£732
35
Frequent small amounts
goHenry
£656
30
Children's cards and top-ups
L&Z / LoveAdmin
£548
7
Includes Thrive4
St Dunstan's
£161
1
Swimming · resumes 7 Sep
ParentPay
£141
5
School
Europa School Events
£102
6
Total
£3,540
96
The weekly rhythm
From the Family calendar
Monday
18:10
Francoise gymnastics
Tuesday
14:30
Françoise tumbling
Tuesday
17:00
Mina tumbling
Friday
14:25
Françoise cheer PBL
Friday
17:30
Françoise cheer CLA
The thing worth acting on
Every 5 April
The Junior ISA allowance is being lost each year
Four years of transactions show no ISA or Junior ISA contributions. The allowance resets on
5 April and cannot be backdated — an unused year is gone permanently.
With the plan being that the children inherit at 21, a Junior ISA is the most obvious vehicle
and it is currently sitting idle. Worth raising with David James Wealth.