financial circumstances; financial situation
Refers to one's personal or household financial condition, often used when discussing whether money is tight or comfortable.
Lately my finances are tight, so I'm cutting back on eating out.
He's well-off, so he often treats me.
circulation of money
Refers to the flow of money in an economy or market, not personal finances. Often used in economic contexts.
When the economy improves, the circulation of money in the market also becomes active.