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Notes on the manual ledger
Notes on tracking net worth the manual way. Offset, HECS, and Aussie money habits — no bank login required.
How to track your net worth without linking your bank
Build a clear net worth picture without handing over your bank login. A simple weekly ritual for Aussies who prefer a manual ledger.
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Does HECS count in your net worth?
Short answer: yes, if you want an honest number. How to track HECS-HELP cleanly in a net worth ledger without inventing offsets.
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Offset vs mortgage: what actually moves your net worth
Moving cash into your offset saves interest, but it does not always change net worth overnight. Track offset and mortgage as separate lines.
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