Wanda's house is worth $ 127,000, but she still owes $ 68,422.00 on her mortgage. She has $ 25,236.00 in a savings account and has a credit card debt of $ 8,477.00. In addition, he has another credit union debt of $ 5,131.00 and estimates that his cars and other household items are worth $ 18,000.00. What is Wanda's net worth?