I just took a look at my Net Worth as of the last day of November and got a little sad. The graph in the right sidebar (scroll down a little bit to see it) is showing my Net Worth as $-15,467.

This seems a bit scary until you factor in the part about me not putting the value of the car in, while I do calculate the amount of the loan left to pay on it.

If I had to input the actual value of the car then the net worth figures would go up a lot. I decided not to add in the value of the car for 2 main reasons:

1. Simplicity

2. Reality check

It is just easier for me to keep things simple by not having to worry about the depreciation on the car every month. I could get something to calculate the amount but I just did not want to be bothered with that right now. It keeps my finance calculations simple for me to copy the loan amount off the statements and track that, than to go hunting for the market value of the vehicle.

I also decided to keep the higher (or is it lower?) figure to be a reality check for myself. It is there to remind me that I have a loooooooooooooooooooooooong way to go before I can feel comfortable about my finances so I will just have to work harder every day.