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Net cash flow, also referred to as cash flow earnings or Net Income Plus Depreciation (NIPD), is the profits of the business plus non-cash expenses.

Use free cash flow calculations to evaluate the health of an organization. Cash flow will determine whether the goal of stakeholders are met.

While credit cards can, indeed, lead to the bondage of debt, they can also be great financial tools. How you use your credit card matters, and with the right approach, credit cards can help you improve your finances and better manage your cash flow.

I thought I would take a humorous (allegedly) look at what the training program must look like over at Canada Student Loans headquarters... 

The great news is that understanding your cash flow doesn't have to be difficult. You can largely automate it when you use budgeting tools that allow you to see where your money comes from, and track where it is going. Here are 5 budgeting tools Canadians can use to improve their finances: