The trials & tribulations of a 1st time landlord & investor

Called pension people decision today then letter and form to claim if they deem I should have it. I am certain they will.

M&s bank all set up on one phone call just need to wait for pin and once switched call them to set up new 5% savings account. Really easy and great benefits I can highly recommend it.

Called to cancel my 123 credit card not worth it now they are changing the % max for travel cost will break even and can live without it.

Speedy day as bought new rattan furniture table, two chars and two footstools. Mainly because my cube of four had two chairs stolen and iI really annoys me I wanted it compete again. £150 so quite good and I like the footstools and small table better than buying a new four and I haven't found anywhere that sells just the chairs.

Went to see kinky boots £20 tickets with matercard brilliant show £35 on drinks but cheap night out for central London really. Back to work tomorrow only one day then off Friday. Not sure what am doing quite possible cleaning this place it's quite dirty.

Night night all time for bed for me early start tomorrow.

Didn't do a lot yesterday some naughty slot playing so stopped my accounts and won't be doing it again waste of money and I know I cannot stop.

Still need yo build the table and one chair for the new garden furniture but it matches really well so I'm pleased with it.

Done the cleaning just now and shortened the sleeves on our new dressing gowns earlier. DG had too much to drink yesterday and fell asleep around four am. She's still jet lagged but I'm a bit fed up as she's still snoring away so cooked myself lunch and she's missed out.

Will tackle the onions in a minute and then need to sort out new MS banking to transfer some money over as tenants have paid rent. Plan is to move £700 a month so there's enough for tax and repairs in Halifax and ms will have the savings plus it will transfer to new linked account.

Still nothing from second pension hopefully next week now.

Just spoken to my mum on video what's app really nice I had discovered a new series about firemen on Danish TV that starred my youngest cousin. Sent her the link she had seen it either. Also on what's app to my sister managed to buy her two tops so that's her birthday present sorted as well.

Think that's it need to get banking stuff done first Onion doesn't really appeal and I doubt DG will be up for the shops for a while.

Keeping motivated thank you so much for popping in I totally agree with you about me looking after someone else with drink problems hat thought very much hit me as well today. I am quite cross with her and she knows she struggles with her off button once she starts although she only ever has more than one on a Friday and we don't tend to drink during the week.

I don't want to police her but I've also said I don't want to put up with her behaviour and sleeping all day Saturday. She is aware and realises it is a problem. We are both going dry January until 4/2 i want to loose weight and then we shall see. I think we will be ok as I recognise the signs in myself and I won't fall into the denial trap and making excuses for someone. I will say she never does it when we are out or with other people but still a concern and I certainly don't want to drink over the top myself.

I really appreciate the reply thanks for pointing it out.

Not too bad a journey yesterday to work just really busy and you end up like sardines in the bus and train. I believe I used to moan about traffic sitting in a nice car was at least preferable I would say some days.

DG is gone by bus and tram this morning new route fingers crossed it works or she'll be late in court.

Got claim form for second pension they will use paying in slip instead of bank statement but I think I might wait for bank statement seems safer.

Pump at house will only be £200+ vat to replace so that's good will get taken out of next months rent. Hopefully that will be it but I knew it needed doing so quite happy with that. It's also so noisy and too powerful.

On Friday I must to the following:

- Get pension details for IFA
- Tell friend end date for pet insurance
- send off pension claim form if not done before
- transfer money into new m&s account
- call up to set up savings account 15/1
- book laser eye treatment examination

I think that covers it might have to add more just nice to remember it by writing it in here.

I have decided only to write in my diary when DG is not around really don't want her to get paranoid and I'm not sure I would enjoy someone writing about me.

Emailed ex bil asking how much I owe for the funeral would be great to get that paid so I can see what's left to invest. IFA has asked for last four years pension contributions so that should be a fair whack to put into them but there will be some left and obviously new tax year means new ISA. My UK tracker is doing really well so tempted to stick the rest of my allowance in now but might as well wait for IFA recommendation.

Right should really get out of bed and get into work early but so cold and work is really hectic and so many balls up in the air. I'm really starting to feel how this job is the next step up so much responsibility but I'm learning from it and I can see myself getting better..

Forgot to add to the list book holiday to Gambia - doing going md March cannot wait. £1400 seaview suite and other extra on the flight life leg room but worth it got £72 cash back with Quidco that was a nice one and DG reminded me before we booked well nice. :j :rotfl: :T

Been to the gym, had a sauna and steam before going home to cook dinner steak and parsnip chips. Yoghurt for desert. Then off to driving range £8 for a bucket of balls after 9pm and only spend was £6 on hot chocolate. No drinking very happy.

Also build my garden furniture earlier and did two wash loads much more productive than last week. Very happy.