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The answer depends on whether they have enough cash flow to meet their needs.
Consumers who lack enough cash flow to stay in their homes without borrowing have tough choices.
"In the fourth quarter they produced just enough cash flow to end up good.
The agency finances its operations by charging companies premiums, and it still has enough cash flow to make all of its payments to retirees for now.
Forensic accountants are sifting through 300,000 false bookkeeping entries to determine whether HealthSouth has enough cash flow to cover its debt payments.
The crucial issue for Gap, as it was for Kmart, which sought bankruptcy protection last month, is generating enough cash flow to service its debt.
Debra Shultz, a managing director of the Manhattan Mortgage Company, says that homeowners approaching retirement must ensure that they have enough cash flow to cover daily expenses.
A buyer could shut or sell them and still retain enough cash flow to service debt and have a tidy profit left over.
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It was one of the only companies with strong enough cash flows to shield such an expensive operation from the rampant short-termism that plagues the business world.
However, McNeill added that the group's UK coach and bus divisions, along with its US school bus unit, generate strong enough cash flows to placate investors considering a rights issue, or lenders mulling a refinancing.
Having enough cash flowing through your micro business to keep your income stable is a vital skill to master.
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Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com