小胖 had tried and tested several iPhone apps to note down his daily expenses, so that he would have to think twice before deciding to splurge and then regret it afterwards. Unfortunately, he would always forget to update it daily, or maybe he’s just too lazy to do it… 

It was then he decided to organise his entire input and output altogether in a single spreadsheet. Otherwise known as my Net Worth, which Investopedia describes it as the amount of assets exceeding liabilities. 
Source: www.financialjuneteenth.com
Updating this spreadsheet allows 小胖 to gain an overall awareness on items such as: 
1) Whether his stocks portfolio has increased in value month-on-month?
2) Whether the balances in his savings account has increased month-on-month? 
3) Has his long-term liabilities decreased in value? 
4) Has he paid ALL his credit card bills? 
5) Ensuring that his Net …