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how much balance do i need to go semi pro? Planning for the future

why when i have sold 40 million worth of players my projection for the season is getting worse?

Hello guys! I have started my first youth academy challenge about 2 weeks ago. It was and is an amazing challenge! I will tell you a bit about what i've done until now: i have simulated the game until the reset date for england when teams get promoted to national league north from lower leagues, and i took charge of Kettering Town. First thing i've done was to sign new contracts with all the players i wanted too keep for more than 1 season, because being a youth academy challenge i am not allowed to make any transfers. I have removed all appearance, unused sub and clean sheet fees from the contracts of my players. In the first season in charge, i have managed to reduce the wage, spending only just below £4k a week from a wage budget of around £7.3k a week, we finished 8th, although we were supposed to finish on the last position in the league, and we have managed to win FA Trophy. In the second season i have managet to get into the playoffs, finishing 5th in the league, i have managed to achieve all board expectation both in FA Cup and FA Trophy. In the playoffs we got beaten in the final by Darlington. In the summer thr club had around 500k in the bank balance and although we are still in the national league north, the board -without me asking for such a thing- turned the club from semi professional to professional status, telling me it is because our great recent form and increase in club status. During the summer i have negociated again all contracts with all the youth i have at the club and with the most majority of staff and turned the from part time to full time. I have a wage budget of around £6.5k and i am spending £4.3k. I am still trying to sign full time contracts with 2 of my best players were at the club before i took over and have huge wages. They earn 775 £/week and now ask for 1k £/week. If i can't lower their wage i will sell them. I finished the preseason and just played my first match in the league but i have noticed that we are losing money. A lot of money for this level...40k a month i have check the expenses and 25-30k a month we are losing on Other expenses. I only have a squad of 23 players including those 2 that have not signed full time contracts. Do you have any suggestion about what should i do to save the club from bankruptcy? If i sell any of my players, taking this youth academy challenge i am not able to sign anybody, i will have to wait until youth intake date. Even though the most majority of my players have bigger wages now because they are on full contracts, my committed wage spending is almost the same as it was last year and we are losing money on things that i am not able to control. The club also loaned this summer 500k to rebuild or upgrade the stadium and we'll pay 8k a month until 2031. Waiting for all your tips and pieces of advice.

I’ve just got a player on loan for a season with the option to buy for £12 million. However, he’s not convinced to join the club on a permanent basis. Can he change his mind to join the club permanently once the loan ends/or in the winter transfer window? Is there any way he can be convinced to join? Thank you!

Currently, in the finance screen, you can only look back 1,5 years. It would be great if we could change that timeperiod to see how much we're spending on wages compared to 5 seasons ago, or even 10. How has my balance changed over the last few years? How has my sponsor income changed since i promoted 6 years ago? Did I manage to cut back 30% on wages over the past 5 years like i wanted? Adding a dropdown where we can select the time-period the graph is displaying would do the trick. I feel like this would be fairly easy to implement, and bring alot of satisfaction as you would really be able to see how your long-term financial plans are working out.

OK. I prefer to play small or mid-sized clubs (Reggina, Flamengo, Southampton, etc.). One of my challenges is how to best allocate my transfer budget. Should I spend it all in one or two super players each year, or should I invest in a larger number of younger average players?... Also, do you prefer one-time payments or are you willing to compromise your club's finances with a three year plus add-on fees for the selling clubs? Any hints are appreciated. Thanks.

What are some of the ways that people improve finances of a team? I know selling players, playing bigger teams in friendlies are both ways of doing this. I think cash strapped teams are always fun to play with, makes you consider every aspect of your team. Do you need 8 scouts? What youth players should I look to improve and develop to bring into the first team next season etc. Leave your thoughts below, thanks!

Hi, When you view a club's overall bank balance and transfer balance, are these amounts taking into account real-life transfer fees spent when the game was out? For example: Man Utd spent around £145mill in the summer of 2017. Their club balance according to the editor is about 340million with about 42 mill for transfers. If United hadn't have spent a penny, would the balance be what I've mentioned plus £145mill fees spent?

I am currently going into my 5th season with Clyde. A quick history: Season 1 - League 2 - promotion through playoffs Season 2 - League 1 - mid table Season 3 - League 1 - promotion through playoffs Season 4 - Championship - survived relegation (on goal difference ) So naturally, I am feeling pretty good about the upcoming season; made some good signings, still way under on wage budget (have never used more than 60-70% of allocation), and tactic is looking good. And then this: Here are the financials: What is going on?! Going to semi-pro status; wont this ruin the club and its reputation? Ability to sign players? What happens if/when I get promoted to the Premiership with current batch of players? What can I do to drastically improve finances? (I have always kind of ignored them; stay under wage budget and keep bonuses and payouts to the minimum - so never really ran into this). I wanted to take Clyde to Scottish glory and one day into Europe - HELP ME REALIZE THAT DREAM AND TELL ME WHAT TO DO

In my 3rd season with Cambridge and after back to back promotions im sat mid table in the championship. Ive managed to save quite a bit of money through smart signings and a few decent cup runs. Im filling my stadium 100% every game this season but theres no option to request the board for a stadium expansion. I can request a new build but ill need a ridiculous amount for that. any ideas?

In my 3rd season with Cambridge and after back to back promotions im sat mid table in the championship. Ive managed to save quite a bit of money through smart signings and a few decent cup runs. Im filling my stadium 100% every game this season but theres no option to request the board for a stadium expansion. I can request a new build but ill need a ridiculous amount for that. any ideas?

I had this in second and now third season. Bough Matic in second season for 19m and he was class but due to player unrest about bankruptcy I sold him for 33m back to Chelsea! I'm still showing bankrupt and have now lost best player. I also finished 8th in premier league last season and haven't cheated or modified anything. Any ideas?

The trial system is broken within the game and needs a revamp! I have posted this within another topic so I will put it here as well in order to gain traction. The thing is - I believe that the current player trial system is very unrealistic and needs further tweaking in order to achieve the necessary level of realism and prevent cheating and exploits by human managers. My argumentation comes from the fact that I have been in contact with several professional clubs in my country through my work and was always interested in how they do certain things including trials. What I found out could not have been more different from its representation in the game - player trials. Currently, player trials are used as a cost-effective way of quick "scouting", especially if a human manager is not allowed to send scouts abroad. By inviting players from abroad on trials, and especially young regens from South America or Africa, the player can quickly obtain an edge over the AI by having access to players which would normally be out of reach for those clubs. If some nations are not active with their leagues (e.g. Brazil or Nigeria) they will produce some 20 to 30 newgens each season and the vast majority of those players would me more than capable of playing for a vast number of clubs in Europe. It is not a problem when a talented Brazillian ends up in a Portuguese or Dutch club - it is a problem if a human manager consistently selects wonderkid-level players from trialists to a Bulgarian 2nd division or Iceland's top division club when in real life that club would not even be able to afford a plane ticket for that player for that trial and would be wary of gambling on signing a player without any scouting knowledge about him. Not to mention lower-league management in the UK with EU players where postmen, students and lawyers can quickly be replaced by foreign prospects after having 50 EU foreigners on trial happily spending their own money to train behind a bike-shed in rural England. I believe it is highly unlikely to have 18-year-olds from Uganda on trial in the UK within 24h notice for a number of reasons. Costs of trials Travel, accommodation and visa procedures all incur costs. How can an average 18-year-old from Africa without a club afford a week-long trial in the UK, not to mention longer? It is a cost of at least 1000 GBP, something that would even put off some of the clubs willing to pay for players' costs. If the clubs do not pay for those costs, then the players' agents are the ones to do it or the players themselves - but only if the potential contract offer can justify the investment. There would hardly be an agent willing to fund a trial for a South American youngster going to a trial in the Slovakian 3rd division or English 6th division team offering him a side-job as a grocery store clerk. But if Juventus is calling him for a youth trial - that's another matter and well worth the investment. Therefore, trials should be paid for either by clubs (and reflected in their finances, perhaps even rejected by boards in clubs scrapped for money) for players without agents who are based in far-away locations or by their agents who either have a high profile or a potential contract offer would be high enough for them to invest their money into a player. I have met many agents who simply do not want to take their non-European players on dozens of trials in Germany as it would be too expensive for them - they either ask for those clubs to pay for that or they do pay if the potential offer is good enough. How can I get dozens of young Brazillian teenagers from favelas on trial if I am a semi-pro club from San Marino? Neither of us cannot afford that IRL. A Honduran player who had been playing US college football and is expecting to return to his home country and possibly find a club there would be far more available for a US/Canadian trial rather than for a trial in the suburbs of Katowice or Jakarta. If this were so easy - I am sure my local club would get 50 or so Africans and South Americans on trial and pick at least one who is good enough for their squad. I had asked them about that - the costs are the main problem even with the visa procedures taken care by the club. You can see attached official correspondence between Zenit St Petersburg and FK Sarajevo (it was published in the media so no worries there) where the inviting club (Zenit) states that they will pay for flights, accommodation, meals and insurance. Since it is a 4-week trial it is definitely not a small amount, even if they have their own accommodation available. Suggestion: Make trials incur travel and accommodation costs to the club if the player is based abroad and does not have an agent OR the potential contract value is too low to justify those costs (e.g. trial costs of 1000 GBP for inter-continental trials are unjustified for a player willing to sign a weekly contract of 100 GBP or an amateur/youth contract). Documentation issues When taking non-EU players on trial or when playing outside the EU, visa issues are something that should be taken into account. Even if the club pulls all the strings and pays for an urgent procedure, it is almost impossible to get a visa under 5 days. Now imagine getting a visa for places like the UK, USA or Saudi Arabia where the procedures are extremely strict. Suggestion: We can expect that all visa applications within the game itself will be granted but they should take time the same way you have to wait for work permits or transfer negotiations to go through their course therefore limiting human managers in bringing in loads and loads of trialists from abroad within the first few days in their new clubs. How to implement it? Researchers can very easily find out which nationalities need visas in order to visit their countries and add that to the database - obviously much easier within the EU/Schengen area. Time and logistics Travel and preparation take time as well - if not chartering a plane that only the top clubs would do for their SIGNINGS (e.g. Man Utd for Pogba or Cristiano Ronaldo - confirmed in Alex Ferguson's autobiography), it would take at least 48h from the moment you get a message: "Pack up your boots son and come to Nuneaton for a trial. We've heard that you're killing it in football on steppes of rural Mongolia." to actually getting where you're supposed to be. Suggestion: Create a gap of at least 12 to 48 h from the moment a player accepts a trial offer for him to actually reach your club if he does not need a visa rather than him appearing instantly. This will simulate him gathering his things, catching a car/train/plane ride to you. The closer he is based, the less time it would take him to reach you and vice versa. I hope that this will catch the attention of SI. If they need any more information about this or further help, I would be more than happy to provide it as an ex-researcher for FM and great enthusiast for the realism within the game.

Hi Guys, I'm using the in-game editor *hangs head in shame*... And I've updated by club's finances to be relatively rich, and I've updated for the club to have an 'Underwriter' for the finances. I have around £100,000 wage budget with loads spare but I still can't offer anyone a wage over £700 . Is there anything I need to do/can try to sort this? Any help appreciated . Thanks.

I'm also on course (fingers crossed) to qualify for the champions league, do i need to sell players ASAP? what do i have to do? will prize money at the end of the season help the situation?

Hi, Is there a limit/threshold when administration occurs? I need to plan my next seasons, this save my best players are not refusing to renew but are asking higher wages that I can pay, luckily I keep being able to negotiate down to wages that I can pay. But staying at the limit of the wage budget is getting me seriously in the debt. I can have and idea where my finances are headed, but not when administration will/can occur and plan accordingly. I play in the Vanarama and have currently near 400k of debt.