Carla has a scooter worth $3,890. Her computer is worth $600. She owes $700 on her scooter and $497 on her credit card. Her personal property has a value of $2,100. She has $3,000 in her bank accounts and a mutual fund valued at $4,800. She wants to take out a $2,600 loan to buy some new appliances. The value of the appliances after purchase will go down 20%. Complete the explanation of how the purchase of the appliances will change Carla's net worth.