Monthly payments or cash up front?

I am a big club and I don't really need money from transfers, so I usually offer AI clubs to pay with 48 monthly payments as they are likely to pay more this way and I am financially safe for the next years, as small payments come in every month. Plus, I avoid big tax hits by making a smaller profits each year. At least, that's how I always saw it. But somehow I don't really make money, although I sold players for 1bn in the last 5 years. Am I overlooking something?

Post up a pic of your finances screen and we can maybe spot something (Summary, income & expenses).

if you're selling 1bn worth of players in 5 years, you've got to be spending a LOAD of that on players too, probably on higher wages

what goes around comes around

or.... for the smaller clubs, you may be paying part of their contract to move

Thanks for pointing me towards the expenses, cougar! It turns out that I pay ca. €60m taxes and €50m dividents each year. Probably because of a high profit? With the profit still at €85m for last year after taxes and dividents, could I basically buy players for €150m to avoid them next year and only make a little profit?

@samdiatmh: No, I only buy players under 20 years. And loads. I buy for €10-€75m per season and sell for €150m-€500m per season.

Dividends are only paid if you make a profit.

Not 100% on tax may be before or after transfer fees would have to have a closer look to be sure. Also pretty sure that tax includes tax on wages so the higher your wage bill is the higher the tax portion will be as well.

Could it be to do with you having too much money? There's some bug where if you make an unbelievable amount of money the finances go negative or something.

Basically FM riddles you a bit on the dividends and tax I find, but I ALWAYS sell players over 3-5 years when I'm v rich, as I find it helps cover the ever-growing wage bill. The only time I don't is when saving for a new stadium or a big rebuild.

Generally if I'm doing ok for money i'll buy players upfront. Monthly payments only if I really require a new player when I don't have it spare. I also try selling players to at least include monthly payments to help keep the finances balanced.

I never buy players on tick. Its all upfront or nothing same with selling.

I only buy players on monthly payments when there is less than 3 seasons until the next FM is out, its either frees or loans.

http://themongrelsclan.webs.com/fm14-hol

http://community.sigames.com/showthread.php/364419-PGC-Going-Dutch-for-FM14

http://community.sigames.com/showthread.php/398378-PGC-The-Italian-Job-for-FM15

They can pay monthly if they pay a higher overall transfer fee other wise I cannot reinvest it in a decent replacement till they pay about 9 Months. If I want him out and their skint then i'll let them pay monthly if it is the only way gets him out for cash.

If they are rich why should they earn interest on my money sitting in their Bank when it should be in mine?