Katie and I calculate our net-worth by totalling up all of our assets (investment property, stocks & shares and cash in our emergency fund) in a spreadsheet and then listing all of our debts (mortgages on the investment property, credit cards, debt etc.) and calculating the difference. This then gives us a £££ (this is the symbol for the British currency pounds) amount that tells us the cash we would have in our pockets if we sold everything right now.
