Pénzáram

Pénzáram is a Hungarian term that translates to "cash flow" in English. It refers to the movement of money into and out of a business or individual's financial accounts over a specific period. Understanding pénzáram is crucial for financial health and stability.

Positive pénzáram occurs when more money enters an account than leaves it. This indicates a surplus and can be used for reinvestment, savings, or debt reduction. Negative pénzáram, on the other hand, signifies that outflows exceed inflows, potentially leading to financial strain and the need to borrow or liquidate assets.

Businesses closely monitor their pénzáram to ensure they can meet their operational expenses, payroll, and other obligations. Analyzing pénzáram helps in forecasting future financial needs, identifying potential cash shortages, and making informed decisions about investments and financing. For individuals, tracking pénzáram, often referred to as budgeting, helps in managing personal finances, saving for goals, and avoiding debt. Effective pénzáram management is a fundamental aspect of sound financial planning for both entities and individuals.