Pénzáramot

Pénzáramot 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 an individual's finances over a specific period. Understanding and managing cash flow is crucial for financial health.

Positive cash flow occurs when more money is coming in than going out. This indicates that a business or individual has sufficient funds to meet their obligations, invest in growth, or save. Conversely, negative cash flow happens when outflows exceed inflows. This can lead to financial difficulties, inability to pay bills, and potential insolvency.

Cash flow can be categorized into operating, investing, and financing activities. Operating cash flow relates to the core business operations, such as sales revenue and operating expenses. Investing cash flow involves the purchase and sale of long-term assets like property or equipment. Financing cash flow pertains to activities like taking out loans, repaying debt, or issuing stock.

A cash flow statement is a financial report that summarizes these movements. It provides insights into a company's liquidity, solvency, and financial adaptability. For individuals, tracking personal cash flow helps in budgeting, saving for goals, and managing debt effectively. Effective cash flow management is a cornerstone of sound financial planning and stability.