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I do not know if this is just a problem of Italian championship (or just mine), but when at a lower league (C2 or C1), no matter ho low I manage to keep my wages, I always end up full of debits, with no money for transfers and lower and lower for wages. This changes drastically as soon as I get to serie B, and start getting money by TV rights.
But this way, i found practically impossible to build a good team step-by-step, because I could make transfers only at the beginning of my first season: so, either I am able to get 2 promotions in a row, or I am having BIG problems.
Loans helped me, but even so: usually loan end before play-offs, so I found myself playing my promotion with my under 19 team.
At the very end, if I inherit a team in 2005 which is spending 750,000 Euros for wages and has a financial balance of +10,000, I would expect that, keeping well below the wages budget (i.e., with a budget of 750,000 Euro p/y I have been spending 600,000 Euro p/y, I could keep my finances constant, not ending up the season at -500,000 Euros as I did.
Don't get me wrong: the reason I like to start with lower leagues is just the challenge of getting good results while keeping care of your finances... but here the challenge is more like getting on a ring drunk and with your hands tied behind your back against Lennox Lewis
I'm well under budget in SerieC2/A, but still haemmoraging money. C'est la vie. What I did find is that my scouts started finding lots of decent kids in the second season, which helps on the squad building.
I really enjoy Serie C, and I've never had much trouble with finances. But, then again, my expectations of financial resources are usually pretty low. It's hard to address the issue without tipping, but I'll do my best.
I can definitely assure you that there are ways to stay out of significant financial trouble in Serie C. With any lower league club, it can be tough to break even or generate a profit unless you can really pack the ground with fans, even if you're sticking to the wage budget. So you may still lose money on the whole. But you can keep out of the deep red, buy yourself time, and not have as much pressure to gain quick promotion, if you use all of the various tools available in the game and you make shrewd decisions.
But if you're expecting to end up with more wages to spend and more transfer funds, then you're going to be disappointed. You have to find ways to improve your club and peform well without these luxuries. And, come to think of it, that's pretty much how it goes in the lower leagues in reality.
I do have to say, though, that loans shouldn't expire until after your season is complete, since they don't in real life. Or they never have that I've seen. Being recalled is another matter.
Originally posted by Greg Andrade:
But you can keep out of the deep red, buy yourself time, and not have as much pressure to gain quick promotion, if you use all of the various tools available in the game and you make shrewd decisions.
Maybe I still lack of practice, but which are these various tools? Besides limiting wafges, I do not know what to do. The only thing which gives me some money are friendlies, but I can arrange them only in summer. (OK, I've read of some peaple getting free players and reselling them, but it seems to me a tricky workaround)
Quote:
But if you're expecting to end up with more wages to spend and more transfer funds, then you're going to be disappointed. You have to find ways to improve your club and peform well without these luxuries. And, come to think of it, that's pretty much how it goes in the lower leagues in reality.
I do not expect that, I only expect not to bankrupt, and to have a fairly constant financial status as long as I do not do crazy things.
I'd just like to be able to make fair transfers campaign also in year 2. I rely a lot on my scouts: good scouts are my first expens in lower league, but with -500,000 balance, 0 funds for transfers and almost all money from sales taken by the board, I've not much left to do.
Finally, at least LET ME TAKE MY CHANCE AT PLAYOFFS WITHOUT LOOSING ALL MY LOAN PLAYERS!
To be consistent, if (with FM2006) I take in 2005 a team with +10,000 balance and +750,000 wage expenditure, as the club does not come out from nothingness, it means that up to 2005 they could afford this level of expenditure without bankrupting. Now, is it realistic that, as soon as I take the club - and I assure you I am reducing the costs - finances sink????
You don't know how they could afford this level of expenditure before. For example by selling off their best players? By receiving cash injections?
Lots of clubs would even be in the red with a wage budget of 0. Still, they have to give you some wage budget, unless they want to close down immediately anyway.
So the wage budget you get doesn't mean that it's what the club can afford. It's a budget that you get in order to achive the results that are requested of you. How the club is handled financially is nothing of your concern. It's Football Manager, not "Escape Bankrupcy" Manager.
I'm playing Serie C in 03/04 as Ragusa the only way I have stayed alive financially is agreeing to transfers of my players to other clubs. I am finding it impossible to stick to the wage budget but luckily attendance is good so I am currently slightly in the black.
Originally posted by feanorelf:
Maybe I still lack of practice, but which are these various tools?
If I answered your question, then I'd be violating the rules of the forum.
Quote:
I'd just like to be able to make fair transfers campaign also in year 2. I rely a lot on my scouts: good scouts are my first expense in lower league, but with -500,000 balance, 0 funds for transfers and almost all money from sales taken by the board, I've not much left to do.
What is a "fair" transfer? Does that mean that it must involve money? In the lower leagues, it's probably safe to assume that you will never have any money to spend. But I seem to remember that there are things that you can do without money.
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To be consistent, if (with FM2006) I take in 2005 a team with +10,000 balance and +750,000 wage expenditure, as the club does not come out from nothingness, it means that up to 2005 they could afford this level of expenditure without bankrupting. Now, is it realistic that, as soon as I take the club - and I assure you I am reducing the costs - finances sink????
Don't assume that the club has had that level of expenditure for a period of years. Maybe it has had high wages for only a year or two, but now it has spent the money that it had, and it can no longer afford the wages.
Remember that, in real life, some clubs will spend a lot of money to make a temporary run at winning the league or getting better results. But, if the club fails to win or gain promotion, then the higher wages will eventually put the club in debt, and it will be necessary to cut costs dramatically.
Also, in real life football, it isn't always a straight line in building a team. Sometimes you have to go through some crap seasons before you can really build up a team and have success.
Then again, sometimes clubs have wages that are probably too high when compared to the revenue structure of FM. So maybe there is a problem with FM. Maybe the financial system is not always consistent with the number of players and staff that the club has in real life. But I just see this as a further challenge. And, based on my experience, it's something that you can overcome.
Italian Lower League Finances 
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