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Fm15 Finance- transfer budget and clearing debts


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If the club has a lot of debt you will probably want to avoid spending much on transfers over the next couple of seasons. Debt in itself isn't necessarily a problem though, even with a substantial budget it may be that the club can afford it so long as you don't exceed those amounts (through add-ons and such) and keep wages under control. At the biggest clubs cut back transfer spending, off-load a couple and bring through youth and debts of £200m or so will quickly disappear.

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You cannot request a lower transfer budget, you just need to show restraint by not maxing out the wage budget & spending the minimum you can get away with the achieve the club targets. Over time the money saved will see an increase is your cash balance & if the board want to then they will look to clear some debts ahead of schedule.

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Roughly half of your profits go to tax, this seems to be independent of debt

(i.e. if you make a profit of 1M in the finnancial year, that 1M doesn't go straight into clearing debt, half of it goes to tax, the other half... the chairman decides wether it's enough to clear some debt or invest it somewhere else).

So... don't restrain yourself too much. Use the budget sensibly, but remain competitive. Let the money come from TV, competition prizes, etc...

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