Oops! I’ve Been Overestimating Our Net Worth

I use a spreadsheet to track all of our financial information, including sheets that I’ve created for tracking income and spending from our checking account, savings accounts, as well as our credit cards, investments, and pretty much everything else financial related.  The spreadsheet serves me well and has evolved over time.

I know there are online options out there but I’ve been using this for so long that I am just so familiar and comfortable with using it, and have no desire to switch over to Mint or anything else.

Maybe some day.

But I did recently happen to see that I’ve been overestimating our net worth, probably for quite some time.

One of the things I track is all of our bank account balances.  In the same section, I also track our outstanding credit card balance.

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