While one problem is as Dan said, another is
INNER JOIN (SELECT SUM(Cost)as TotalCost FROM SMS_Records) ON
SMS_Records.ClubID = SMS_Clubs_Table.ClubID
Should be
INNER JOIN (SELECT SUM(Cost)as TotalCost, ClubID FROM
SMS_Records GROUP BY ClubID) As subTable ON subTable.ClubID =
SMS_Clubs_Table.ClubID
Note that you need to alias the sub select to join to the
SMS_Clubs table, and because you need the clubid to join you have
to return this in the select clause, thus you then have to group
the SUM by the clubid.
Ken