Step 4: Find out if you need a licence or need to register yourself as a landlord or / the properties you let.

If the object brings you joy on a consistent basis, all the other keep or sell arguments might not carry any weight. Whether you decide to sell or rent out one of the properties, you will need to draw up an agreement on who pays what bills and what happens if you split. If you invest in assets other than property, lower rate tax payers pay 10% CGT and higher rate pay 18%. You can’t just ‘test the market’ – Some things need to be in place before tenants move in, such as an EPC. And you will need to make sure the property meets current legal requirements. Finally, how much joy a particular item provides is another major factor in the context of whether you should keep or sell stuff.

City nearly cut their losses on Soumare last summer, but after he stayed, he showed some signs of improvement. But, perhaps those developments were not significant enough. Will you be able to pay for the property’s maintenance? Can you afford a new boiler? What if the house gets damp? Or if it needs a new roof?

Nemanja Matic - The former Chelsea man has already confirmed his plans to leave, and an olive branch in the form of first-team minutes has come too late - ALLOW TO LEAVE

When you should consider renting out your house

Finally, it’s also wise to work out the future running costs too, say over five years, as costs are likely to go up. How much should you budget for cost increases? You don’t pay capital gains tax if you are not selling the second property at more than you bought it for. Or indeed, if you don’t sell it at all.