What net worth tells you
Net worth is everything you own minus everything you owe. Your salary says how much comes in; net worth says how much you have actually kept. For an OFW it is the clearest scoreboard for the real goal: coming home with more than you left with.
What to count
List cash and bank balances, investments such as PSE stocks, UITFs and MP2, property and vehicles at what you could sell them for, your business, and retirement accounts like SSS and Pag-IBIG. On the other side, list loans, credit cards, and any money you owe family or friends. Leave out things that are not worth much to anyone else, like furniture and clothes.
Track the trend, not the day
Prices move, so one reading means little. Save a snapshot once a month, on payday or the first of the month, and watch the line. A rising net worth with a falling debt ratio means the padala, the savings, and the loan payments are working together.