How’s your cash flow? Easy ways to improve it

Listen to this Podcast


How’s your cash flow? Easy ways to improve it

Cash flow — the movement of money into your account (your income) and out of your account (your expenses) — is an important and often overlooked part of a financial plan.

Ultimately, there are two goals. One is to have more money flowing in than flowing out. The other is to time income and expenses so that there is money in the bank when payments are due. If cash flow is out of sync in either of these ways, you could be forced to either tap into your savings or borrow money to cover expenses.

Start with a budget

Ultimately, the cure for negative cash flow is to live within your means and spend less than you make. Having a budget, an inventory of your income and expenses, helps you see how you’re doing in this regard — and how you could improve.

Make budgeting easy by using an online budget calculator, like this one from the Government of Canada. In just a few minutes, it will calculate whether your spending is over or under your income. Print it out, create a report, download to a spreadsheet, or go back and figure out where you could make adjustments and improve cash flow.

Create an emergency plan

One thing that can really cause cash flow issues is an emergency situation or unplanned expense. People without an emergency fund often end up running up expensive credit card debt, which can take months or years to pay down, taking cash flow issues from bad to worse.

That’s why it’s wise to have an emergency fund. A good goal is to save 3-6 months’ living expenses as a cushion.

Consider a Manulife One account

One simple way to stay on top of cash flow and prepare for the unexpected is with a Manulife One account. This is an “all-in-one” product that combines your mortgage, bank accounts, savings, income and debts within a single home equity account.

A Manulife One account makes budgeting easier because you have a single account and one monthly statement. You see at a glance all the money coming in and everything going out — your entire cash flow picture.

It’s designed to help you reduce interest costs and become debt-free sooner, and it also offers a solution for unexpected expenses. If you encounter an emergency situation, you have easy access to funds without running up expensive credit card debt and without needing to set up a separate emergency fund.

Your advisor can help with every aspect of your financial planning, including generating positive cash flow, saving for emergencies and setting up a Manulife One account to help you get on top of your financial picture and improve cash flow.

135 thoughts on “How’s your cash flow? Easy ways to improve it

  1. Peter Underwood says:

    You really make it seem so easy with your presentation but I find this matter to be really something which I think I would never understand. It seems too complex and very broad for me. I am looking forward for your next post, I’ll try to get the hang of it!

  2. Read More Here says:

    I just want to tell you that I’m beginner to blogging and site-building and honestly enjoyed your web page. Very likely I’m planning to bookmark your blog . You definitely have great writings. Many thanks for sharing your website.

  3. เช่าโต๊ะ says:

    I¡¦m no longer certain the place you’re getting your info, but good topic. I must spend a while finding out more or working out more. Thanks for magnificent information I used to be searching for this information for my mission.

  4. Logo says:

    Good – I should definitely pronounce, impressed with your web site. I had no trouble navigating through all tabs and related information ended up being truly easy to do to access. I recently found what I hoped for before you know it in the least. Reasonably unusual. Is likely to appreciate it for those who add forums or anything, web site theme . a tones way for your customer to communicate. Nice task..

  5. peliculas online says:

    I’ve been surfing online more than three hours today, yet I never found any interesting article like yours. It is pretty worth enough for me. In my opinion, if all web owners and bloggers made good content as you did, the web will be a lot more useful than ever before.

  6. 먹튀검증 says:

    Please let me know if you’re looking for a author for your site. You have some really great posts and I think I would be a good asset. If you ever want to take some of the load off, I’d love to write some material for your blog in exchange for a link back to mine. Please send me an email if interested. Regards!

  7. BUY CBD says:

    My developer is trying to persuade me to move to .net from PHP. I have always disliked the idea because of the costs. But he’s tryiong none the less. I’ve been using WordPress on numerous websites for about a year and am nervous about switching to another platform. I have heard very good things about blogengine.net. Is there a way I can transfer all my wordpress posts into it? Any kind of help would be really appreciated!

  8. 먹튀다자바 says:

    You can certainly see your skills within the paintings you write. The sector hopes for even more passionate writers like you who are not afraid to say how they believe. All the time go after your heart.

  9. เช่ารถตู้ Alphard says:

    Hiya, I am really glad I’ve found this info. Nowadays bloggers publish only about gossips and internet and this is actually annoying. A good website with interesting content, that’s what I need. Thanks for keeping this website, I’ll be visiting it. Do you do newsletters? Can not find it.

  10. Ian Spennicchia says:

    Can I just now say such a relief to discover somebody that actually knows what theyre talking about on-line. You actually learn how to bring a worry to light and produce it crucial. Lots more people should read this and appreciate this side of your story. I cant believe youre no more popular when you definitely provide the gift.

  11. snow remover says:

    Do you have a spam issue on this blog; I also am a blogger, and I was wondering your situation; many of us have developed some nice methods and we are looking to swap solutions with other folks, be sure to shoot me an e-mail if interested.

  12. مشاهدة افلام اجنبية says:

    Yet another issue is that video games can be serious naturally with the most important focus on knowing things rather than amusement. Although, there’s an entertainment element to keep your children engaged, each game is usually designed to develop a specific set of skills or area, such as mathematics or technology. Thanks for your article.

  13. Rod Wendelboe says:

    A lot of thanks for each of your efforts on this blog. My mum really loves going through investigation and it’s really easy to see why. We all know all concerning the dynamic medium you give insightful tips and hints via the website and therefore invigorate response from some others on the theme plus our simple princess is now becoming educated a great deal. Enjoy the remaining portion of the year. You’re the one conducting a first class job.

  14. แต่งงาน สยามสมาคม says:

    A powerful share, I just given this onto a colleague who was doing somewhat evaluation on this. And he in actual fact bought me breakfast as a result of I found it for him.. smile. So let me reword that: Thnx for the treat! However yeah Thnkx for spending the time to debate this, I feel strongly about it and love reading more on this topic. If attainable, as you become experience, would you mind updating your weblog with more details? It’s extremely helpful for me. Huge thumb up for this weblog put up!

  15. goal indonesia says:

    My spouse and i got now peaceful Ervin managed to finish off his reports because of the precious recommendations he discovered out of the web page. It is now and again perplexing to just continually be giving out hints which often people have been making money from. Therefore we see we have got the blog owner to give thanks to for that. Those explanations you have made, the straightforward web site menu, the relationships you make it possible to foster – it’s mostly amazing, and it’s making our son and the family understand that concept is thrilling, which is certainly particularly vital. Many thanks for all the pieces!

  16. agent sbobet wap says:

    Unquestionably consider that that you said. Your favorite reason appeared to be at the web the simplest factor to consider of. I say to you, I certainly get irked even as people think about worries that they just don’t know about. You managed to hit the nail upon the highest and also outlined out the entire thing with no need side effect , people could take a signal. Will probably be back to get more. Thank you

  17. รับจัดงานแต่งงาน says:

    I would like to thnkx for the efforts you have put in writing this web site. I am hoping the same high-grade web site post from you in the upcoming also. Actually your creative writing abilities has inspired me to get my own site now. Really the blogging is spreading its wings quickly. Your write up is a good example of it.

  18. เช่าเก้าอี้ says:

    Hello there I am so thrilled I found your website, I really found you by accident, while I was researching on Askjeeve for something else, Nonetheless I am here now and would just like to say many thanks for a fantastic post and a all round entertaining blog (I also love the theme/design), I don’t have time to look over it all at the moment but I have saved it and also added your RSS feeds, so when I have time I will be back to read much more, Please do keep up the excellent work.

  19. jumper rentals san diego says:

    What i don’t realize is if truth be told how you’re not actually much more smartly-appreciated than you might be right now. You are so intelligent. You understand thus significantly when it comes to this topic, produced me in my opinion imagine it from a lot of varied angles. Its like men and women aren’t involved unless it¡¦s something to do with Lady gaga! Your personal stuffs great. Always take care of it up!

  20. Rory Bedatsky says:

    Can I say what a relief to discover someone that really knows what theyre preaching about on the net. You actually realize how to bring a concern to light and produce it crucial. The best way to need to check this out and fully grasp this side of the story. I cant believe youre no more popular since you also undoubtedly contain the gift.

  21. Rubin Nydam says:

    Nice post. I understand some thing very complicated on different blogs everyday. It will always be stimulating to learn content from other writers and exercise a little at their store. I’d prefer to apply certain using the content in my weblog regardless of whether you don’t mind. Natually I’ll provide link for your web blog. Many thanks sharing.

  22. nuhairink.com says:

    Howdy! I know this is somewhat off topic but I was wondering which blog platform are you using for this website? I’m getting tired of WordPress because I’ve had problems with hackers and I’m looking at alternatives for another platform. I would be fantastic if you could point me in the direction of a good platform.

  23. Tryot says:

    Your style is really unique compared to other folks I have read stuff from. I appreciate you for posting when you’ve got the opportunity, Guess I’ll just book mark this web site.

  24. forex trading software says:

    Excellent post. I was checking continuously this blog and I’m impressed! Extremely useful information specifically the last part 🙂 I care for such information much. I was seeking this particular information for a long time. Thank you and good luck.

  25. toys says:

    Hi! Someone in my Myspace group shared this website with us so I came to give it a look. I’m definitely enjoying the information. I’m book-marking and will be tweeting this to my followers! Exceptional blog and wonderful style and design.

  26. bahis siteleri says:

    When I originally commented I clicked the “Notify me when new comments are added” checkbox and now each time a comment is added I get three emails with the same comment. Is there any way you can remove people from that service? Many thanks!

  27. situs dominoqq says:

    Someone essentially assist to make seriously articles I might state. That is the first time I frequented your website page and up to now? I amazed with the analysis you made to create this actual submit amazing. Great process!

  28. office design agency says:

    of course like your web-site but you have to test the spelling on several of your posts. Several of them are rife with spelling issues and I find it very troublesome to inform the reality nevertheless I¡¦ll certainly come back again.

  29. silk flower arrangements says:

    Hello there, just became alert to your blog through Google, and found that it is really informative. I am going to watch out for brussels. I will be grateful if you continue this in future. Numerous people will be benefited from your writing. Cheers!

  30. nl.behappyfamily.com says:

    Thank you for the sensible critique. Me and my neighbor were just preparing to do a little research about this. We got a grab a book from our area library but I think I learned more clear from this post. I am very glad to see such magnificent info being shared freely out there.

  31. Codici sconto says:

    I not to mention my guys were actually going through the nice tricks on your site then all of the sudden I had a horrible feeling I had not thanked the website owner for those secrets. Those women appeared to be as a consequence warmed to see them and have in effect simply been taking advantage of those things. Appreciation for genuinely simply kind as well as for figuring out this kind of terrific things millions of individuals are really needing to understand about. My personal sincere apologies for not expressing appreciation to you earlier.

  32. how many life coaches in the world says:

    One other thing I would like to convey is that in place of trying to match all your online degree classes on days and nights that you end work (since most people are worn out when they return), try to receive most of your instructional classes on the week-ends and only a couple courses on weekdays, even if it means taking some time off your saturdays. This is beneficial because on the week-ends, you will be far more rested as well as concentrated with school work. Thx for the different points I have learned from your site.

  33. CBD near me says:

    Hi there, just became alert to your blog through Google, and found that it’s truly informative. I’m gonna watch out for brussels. I’ll appreciate if you continue this in future. Numerous people will be benefited from your writing. Cheers!

  34. W88 โกง says:

    Its like you read my mind! You seem to know a lot about this, like you wrote the book in it or something. I think that you can do with some pics to drive the message home a little bit, but instead of that, this is excellent blog. An excellent read. I will certainly be back.

  35. jumper rentals san diego says:

    I would like to thank you for the efforts you’ve put in writing this website. I am hoping the same high-grade blog post from you in the upcoming as well. In fact your creative writing skills has inspired me to get my own blog now. Really the blogging is spreading its wings fast. Your write up is a great example of it.

  36. Judi Bola Terpercaya says:

    Many thanks for sharing most of these wonderful discussions. In addition, the perfect travel along with medical insurance program can often eradicate those considerations that come with visiting abroad. Any medical emergency can shortly become too expensive and that’s absolute to quickly decide to put a financial burden on the family’s finances. Setting up in place the best travel insurance offer prior to leaving is worth the time and effort. Thanks

  37. Umzugsservice Zürich says:

    Thanks for making me to achieve new strategies about pc’s. I also have belief that certain of the best ways to keep your mobile computer in prime condition has been a hard plastic case, or maybe shell, that matches over the top of the computer. Most of these protective gear usually are model distinct since they are made to fit perfectly on the natural housing. You can buy these directly from the vendor, or from third party sources if they are intended for your mobile computer, however not every laptop could have a spend on the market. Again, thanks for your tips.

  38. NBA Streams says:

    Hey! Quick question that’s totally off topic. Do you know how to make your site mobile friendly? My site looks weird when browsing from my iphone. I’m trying to find a theme or plugin that might be able to fix this issue. If you have any recommendations, please share. Appreciate it!

  39. Cheap BTS Hoodie says:

    I together with my buddies were actually looking through the excellent strategies from your site while at once I had an awful suspicion I had not thanked the blog owner for those tips. All of the women had been totally happy to study all of them and have extremely been taking pleasure in them. Thanks for actually being so thoughtful and then for considering varieties of magnificent subject matter most people are really desperate to discover. My honest apologies for not expressing appreciation to you sooner.

  40. web agency says:

    you are really a just right webmaster. The web site loading velocity is amazing. It kind of feels that you are doing any distinctive trick. Furthermore, The contents are masterpiece. you have performed a wonderful job on this matter!

  41. 오션파라다이스 says:

    I’m really impressed with your writing skills as well as with the layout on your blog. Is this a paid theme or did you modify it yourself? Anyway keep up the nice quality writing, it’s rare to see a great blog like this one these days..

  42. buy cannabidiol capsules says:

    Hi there, just became alert to your blog through Google, and found that it’s truly informative. I’m going to watch out for brussels. I’ll appreciate if you continue this in future. Lots of people will be benefited from your writing. Cheers!

  43. where to buy cannabidiol says:

    Woah! I’m really loving the template/theme of this website. It’s simple, yet effective. A lot of times it’s tough to get that “perfect balance” between superb usability and visual appeal. I must say that you’ve done a amazing job with this. Additionally, the blog loads super fast for me on Opera. Outstanding Blog!

  44. satta king says:

    I’m writing to let you be aware of what a fine experience my cousin’s girl had reading through your web page. She figured out plenty of details, which included how it is like to possess a great helping heart to make other individuals without problems learn various specialized subject areas. You actually did more than readers’ expectations. Many thanks for presenting the practical, dependable, educational and as well as fun tips about the topic to Lizeth.

  45. hacks says:

    I want to express appreciation to the writer for bailing me out of this particular crisis. Just after checking throughout the the web and finding views which are not pleasant, I was thinking my entire life was done. Living devoid of the approaches to the issues you’ve sorted out by means of your write-up is a critical case, as well as the ones which could have adversely affected my career if I had not noticed your web site. Your personal knowledge and kindness in controlling the whole thing was valuable. I am not sure what I would have done if I hadn’t encountered such a step like this. I’m able to now look forward to my future. Thanks for your time very much for the skilled and sensible help. I won’t think twice to recommend your site to any person who will need recommendations about this topic.

  46. www.sbobetpedia.net says:

    I was just seeking this info for a while. After 6 hours of continuous Googleing, at last I got it in your web site. I wonder what’s the lack of Google strategy that do not rank this type of informative sites in top of the list. Generally the top websites are full of garbage.

  47. agen judi online says:

    I have witnessed that charges for internet degree pros tend to be an excellent value. For example a full Bachelors Degree in Communication in the University of Phoenix Online consists of 60 credits at $515/credit or $30,900. Also American Intercontinental University Online makes available Bachelors of Business Administration with a overall education course requirement of 180 units and a tariff of $30,560. Online studying has made taking your degree far more easy because you can certainly earn the degree through the comfort of your home and when you finish from work. Thanks for all your other tips I have certainly learned through the site.

  48. Stanaway says:

    Nice blog here! Also your web site loads up very fast! What host are you using? Can I get your affiliate link to your host? I wish my website loaded up as quickly as yours lol

  49. เกมเก้าเก says:

    Great post. I was checking continuously this weblog and I am impressed! Extremely helpful information specifically the ultimate section 🙂 I maintain such info a lot. I used to be looking for this certain info for a very long time. Thank you and best of luck.

  50. sattakingnow.in says:

    I just could not go away your web site prior to suggesting that I actually enjoyed the usual info an individual provide in your visitors? Is going to be again incessantly to investigate cross-check new posts

  51. SEO says:

    F*ckin’ tremendous things here. I’m very satisfied to see your article. Thanks so much and i’m having a look ahead to touch you. Will you kindly drop me a mail?

  52. cbd oil says:

    What i don’t understood is in fact how you are now not really much more well-appreciated than you might be now. You’re so intelligent. You already know thus considerably in the case of this subject, produced me personally consider it from a lot of various angles. Its like women and men are not interested unless it is one thing to accomplish with Girl gaga! Your own stuffs nice. Always maintain it up!

  53. Petluvshop says:

    I’m amazed, I have to admit. Rarely do I come across a blog that’s both equally educative and engaging, and let me tell you, you have hit the nail on the head. The problem is something too few men and women are speaking intelligently about. Now i’m very happy I found this during my search for something concerning this.

  54. company registration in canada says:

    Nice read, I just passed this onto a colleague who was doing a little research on that. And he just bought me lunch because I found it for him smile Thus let me rephrase that: Thanks for lunch! “A thing is not necessarily true because a man dies for it.” by Oscar Fingall O’Flahertie Wills Wilde.

  55. ul. Polczynska 21a/4 says:

    I was more than happy to search out this internet-site.I wished to thanks on your time for this wonderful read!! I undoubtedly enjoying each little bit of it and I’ve you bookmarked to take a look at new stuff you weblog post.

  56. bad modernisierung says:

    I have observed that online degree is getting favorite because getting your degree online has turned into a popular method for many people. Numerous people have certainly not had a possibility to attend a regular college or university but seek the increased earning possibilities and a better job that a Bachelors Degree provides. Still other folks might have a diploma in one training but want to pursue some thing they already have an interest in.

  57. Baltimore Picture hanging says:

    Thank you for any other informative website. The place else may just I get that type of information written in such a perfect manner? I have a project that I am simply now working on, and I’ve been on the glance out for such information.

  58. apk for pc download says:

    Thank you for some other excellent post. Where else may anybody get that type of information in such a perfect manner of writing? I’ve a presentation subsequent week, and I’m at the search for such info.

  59. TV stand assembly service says:

    certainly like your website however you have to test the spelling on quite a few of your posts. A number of them are rife with spelling problems and I in finding it very troublesome to inform the reality then again I¡¦ll definitely come back again.

  60. furniture assembly help says:

    Thank you for another informative website. Where else could I get that type of information written in such a perfect way? I have a project that I’m just now working on, and I’ve been on the look out for such information.

  61. Baltimore furniture installers says:

    I truly wanted to compose a small message so as to thank you for all the superb suggestions you are showing on this website. My extended internet research has at the end of the day been honored with pleasant strategies to talk about with my co-workers. I ‘d state that that we website visitors are very much blessed to live in a fine network with so many marvellous professionals with beneficial strategies. I feel rather grateful to have come across the website page and look forward to so many more fabulous times reading here. Thanks a lot once more for everything.

  62. mens cashmere scarf says:

    I am really impressed along with your writing abilities and also with the format to your blog. Is that this a paid subject or did you modify it your self? Anyway keep up the nice high quality writing, it’s rare to see a nice blog like this one these days..

  63. Dave Song says:

    Hey would you mind letting me know which hosting company you’re working with? I’ve loaded your blog in 3 different internet browsers and I must say this blog loads a lot faster then most. Can you suggest a good web hosting provider at a fair price? Kudos, I appreciate it!

  64. Washington DC says:

    Hello There. I found your blog using msn. This is a really well written article. I’ll make sure to bookmark it and come back to read more of your useful information. Thanks for the post. I’ll definitely comeback.

  65. 먹튀 검증 says:

    Hey there! This is my first visit to your blog! We are a team of volunteers and starting a new project in a community in the same niche. Your blog provided us useful information to work on. You have done a marvellous job!

Leave a Reply

Your email address will not be published. Required fields are marked *