With the finances thing in this years FM, this is really good, spreading the payments, adding extras/addons, buuuuuut if you are playing the long game with said team this can seriously screw you up with your clubs finances so be careful
Yeah, this is the sort of thing that you'd probably do with a team that you just got promoted from the Championship with, or a team like Leicester where you want to push for the Champions League. It's probably something you should only do once until everything has been paid up.
as long as you get Europe and you should be fine, with all the prize money and tv revenue coming in for being in those compeitions and finishing highly
I’ve always used instalments. Always been ok. Instalments over 3 seasons. The next season sell some more deadwood. Rinse n repeat. Buy some free agents on cheap deals then flip in January or loan them out with fees
Thanks for taking time out of your day to help us. As a beginner to FM and football this game has been a huge struggle but I always would play it everyday regardless. Keep it up!
Great tips - Also instead of using suggest terms, you can often get a player cheaper if you 'submit offer' and wait a few days for them to get back to you. They will take advantage of your need for an instant answer by bumping the price up
Remember that it’s impossible to bankrupt a club in FM. The board or sponsors will always miraculously inject money into the club to cover losses. As manager our only concern is to stay within budget so we don’t get sacked, and Kev’s patented never-never plan is a way to get around that restriction too.
If you want to minimize your spend without giving out on sale clauses -> exclude them from negotation, set upfront quite a way below value they want and suggest. They will respond with a value, and the one that they actually want is halfway between your two values (i.e. suggest 10, get back 30, they will sell at 20). Now set 40% of that as upfront and 60% as installments over three years. Basically, they'll only accept a ratio where the upfront is twice as much (or more) than an installment, and if you push more to installments they'll ask for more in total.
What I've noticed is in previous FMs they normally reduce the percentage of cash you get from player sales and start clawing that cash back from you in the future. That percentage normally goes back up when you've earn a lot of money back and when you keep nagging the board to raise it.
This was GAME CHANGING for my PSG save in Second Season and whilst i know i will be paying for this for years to come, i really have no need to spend anything in future windows (at least the next three) Transfer budget: £196m Player Sales: £139m Esposito: £7.25m (Bargain in my opinion) Ansu Fati: £120m (3x £13.33m installments) Alexander-Arnold: £104m (3x £8.66m installments) Alphonso Davies: £94m (3 x £10.83m installments) Erling Haaland: £113m (3x £10.16m installments) Totally changes my team with young players who should turn out to be amazing!
I've been using these tactics for years and it's a great strategy. Fm19 signed sancho from dortmund for 130 mill in installments over maximum duration for wolves... Plays dividend if you sign the best players possible from the offset whenever you have a chance to sign them
So long as the club is winning ... Which it will do with the best players and the best tactics.... You'll win enough trophy money and tv rights and increase club stature leading to bigger sponsorship to offset the debt
I kind of did the same thing in my motherwell save, I loaned a load of players then extended there loan for another year then signed them when their contracts were expiring whilst on their loans, got some good young players doing that
It can be a good thing for long term stability if you don't actually need the money when you sell. Depends how you play I guess, I prefer to have a nice healthy bank balance and try do well with less known players.
Been playing football manager for nearly 12 years I know the insides and outs of it like you do, always pay for instalments unless its under let’s say 15 million. Hopefully you get donnarumma 👍🏻
My best method for gaining money in FM20 was to go through all of the leagues in Dec and scout, looking for players contracts expiring in the summer, then any I sign, I would loan out if I didn't need them, then sell them the following summer. I would say over 10 seasons I made £500m easily
Thanks for this, it has sone risks though I guess. I think you would have ended with a major financial problem if you didn't reach the Champions League.
He would probably have been ok, as long as he didn't go and do the same thing again until it had all been paid. I suppose it's risk vs reward and if you want to make it to the big time, you have to take risks or get lucky.
This is the classic way to build your dream team for 0 in Transfer fees (unless you count Agent fees and sign on bonus) in old FM games then sell players that you replace. i know i made 300 miljon £ on a budget of 15 miljon £ back in FM 99 and FM 2000 with a small club like Sporting Gijon to make them masters of Spain, Europe and later on World cup for clubs. They key is to have the installments set so you don't Fock up too badly in the future and collect debts(That can cause relegation)
I managed to sell everyone except Kane and Dier, because they are the captain and deputy, and buy elite players in return. It took me only 2 seasons, in the third season my squad is as strong as Liverpool.
The money doesn't come out of future transfer budgets though because fm chairmen cash injections at the end of every season just bail you out thats why you never worry about it
Lool if finances go down the chairmen just do cash injections at the end of the season . And the FFP does nothing in fm no matter how much u spend. The game doesn't let clubs go into administration for legal reasons so u can abuse finances all u want
If you also offer to give the other team 50% of the next transfer deal you can cut a transfer in half, so that Emerson deal could of been like 2.5mil up front, 7.5 mil over 3 years and 50% transfer, I use this on players I know I am never going to sell, it's also how I got Lautaro Martinez, Zaniolo, Livakovic, Aouar, Aarons, Grimaldo, and Demiral for £68 Million(upfront) in my first season as Arsenal. Even if a player wants to leave later on using this method, you will still likely make a profit on the money you spent even if another club takes half, I got Aouar for £21mil (£6mil upfront) he will resell for £70mil + guaranteeing profit.
its very dangerous for lower leagues, but you can use this method to sign a wonderkids or a very needed player for your squad. I use future payments even if i have the money to sign someone
My only question 🙋🏿♂️ is how do you know which players you want to sell when you are just starting? Perhaps sell some of the older players with expiring contracts who you likely won’t resign?
I've only started playing FM for 4 days and thanks to you I've managed to raise over £100m in sales and watching your how to buy video I signed loads of amazing players on the never never. I need to know how to negotiate players contracts. Are signing on fees normal? All the up front fees saved seem to be going straight to the players. Are appearance fees including in wage budget? I've managed to upset a number of agents by not agreeing to terms but then I'm losing their players. Should I leave it to Daniel Levy?
Does anyone have a link of where i could find the Lollujo visual for the main squad view, so i can download it? i have searched at steam but came up short
Question, cuz I can’t find it anywhere. Every time I want to buy a player, they ask for a ridiculous amount of money. The player is worth about €5 million, but they asked 300!!!!! Million for him. And another player worth €2 million, they asked €40 million. Why that high?! Or am I doing something wrong? Plz help.
I know you say not to do it every summer, but at least in FM20 you could. You just had to ignore the club finances and wait for those lovely 70M soft drink sponsorships to come rolling in.
Great info thanx for this :) I do however have one question. Which impact does this method have on the FFP ? Cant the game figure that out either or will it cause FFP to be broken and give you penalties ?
All well and good but I’m trying out a villa beta save and could not get any sales done. Managed to get 2 players out for cash, everything else was loan to buy
weird bug happening on my save i played Man city twice at home in the league (no away game same with Newcastle) Tottenham twice away (no home game same with Everton and Leeds) no idea whats going on
If I'm a snob and want to search for only the "top" Division players from each league... does anyone know how to do that? I've looked through the options twice before asking, but I'm not sure which one I'm looking for.
In 2042 100 million is just enough to buy one good player, wonderkids are not for sale .... any of them, the only way to get one is to use a buyout clause hence why the Spanish league is popular, they still cost a hefty sum if you don´t get them early. I just had to splash 170 million for a midfielder, in my situation it´s bringing in one player a year and discarding one.
The problem with this kind of thing is that it’s impossible to bankrupt a club in FM since chairmen will always bail you out or sell up. I avoid using the never never where possible for this reason.
Always wondered if you call your real life installment buys the "never never"! 😂 I never got the players that are worried about the installments or the finances of a top flight club (especially in the PL). Even if you start more of a lower table team with small resources if you make them more succesful as is the object of the game, the money will follow. Of course dont go crazy but if think you can get them to CL or even in the europa league the intallments dont matter that much in the future. There is always the charmains money injections and of course takeovers. It's really hard to get sacked because of poor finances and *spoiler alert* teams in the game wont go bankrupt.
This is bad.he is gona bankrupt the club long term.with this in the next 3 years he will have no transfer budget because of the instalments.For him its ok because its short term save but on long term i think this isnt gona work.
Not to that extent maybe but if you keep making the club more succesful more money will come in. Also one tends to spent more on one year and less on another. Those players you buy are a longterm investment. You wont have spent hundreds of millions every year. I've always made my transfers on "less money down" basis and I've never ran into trouble in long saves.
This video should be titled - There isn’t a budget in fm, let me show you how. I’d like to see some kind of instalment cap in next years fm. It’s absolutely cheating, bankrupting and poor form. Kids, this is not how we get the things we want in life. If you can’t afford it, you can’t have it.
How To Financially Destroy A Club: A Chapman Story.
Does the book have David Sullivan quotes and resources?
This is the classic Kev guide: "how to get into credit card debt".
The David Sullivan FC Owners guide. Only in this case he's buying players to actually fit a plan.
I mean, you’re in a suit, so it must be reliable 👌
With the finances thing in this years FM, this is really good, spreading the payments, adding extras/addons, buuuuuut if you are playing the long game with said team this can seriously screw you up with your clubs finances so be careful
That’s why you only do this sort of thing in the years you’re going all in and it’s league title or bust
It only screws you if you don't get instant rewards from it. Its find to spend 100 million a year if you make it to the champions leauge every year.
@@Sam-gf6ue exactly. Or just do it every other year, then over time the debt will slowly deplete
Yeah, this is the sort of thing that you'd probably do with a team that you just got promoted from the Championship with, or a team like Leicester where you want to push for the Champions League. It's probably something you should only do once until everything has been paid up.
as long as you get Europe and you should be fine, with all the prize money and tv revenue coming in for being in those compeitions and finishing highly
Thanks for taking the time out of your day to show me how to put my beloved club in financial turmoil. 10/10 would liquidate again.
I’ve always used instalments. Always been ok. Instalments over 3 seasons. The next season sell some more deadwood. Rinse n repeat. Buy some free agents on cheap deals then flip in January or loan them out with fees
my club aswell :(
if you have already watched the transfer special! But that isnt being released until later today :)
Yeah, I was planning on releasing this video tomorrow, but I couldn't get the 300 years in the future video ready for today!
Thanks for taking time out of your day to help us. As a beginner to FM and football this game has been a huge struggle but I always would play it everyday regardless. Keep it up!
Great tips - Also instead of using suggest terms, you can often get a player cheaper if you 'submit offer' and wait a few days for them to get back to you. They will take advantage of your need for an instant answer by bumping the price up
Remember that it’s impossible to bankrupt a club in FM. The board or sponsors will always miraculously inject money into the club to cover losses. As manager our only concern is to stay within budget so we don’t get sacked, and Kev’s patented never-never plan is a way to get around that restriction too.
But you can't improve the facilites, increase scouts, affiliate clubs, expands grounds etc etc.
If you want to minimize your spend without giving out on sale clauses -> exclude them from negotation, set upfront quite a way below value they want and suggest.
They will respond with a value, and the one that they actually want is halfway between your two values (i.e. suggest 10, get back 30, they will sell at 20).
Now set 40% of that as upfront and 60% as installments over three years.
Basically, they'll only accept a ratio where the upfront is twice as much (or more) than an installment, and if you push more to installments they'll ask for more in total.
The "Never Never" Method by Kev! Great content as always, cannot wait for NLTL!
Love these kind of videos Kev! Really helps out the average player who has no clue what's going on in these FM games
What I've noticed is in previous FMs they normally reduce the percentage of cash you get from player sales and start clawing that cash back from you in the future. That percentage normally goes back up when you've earn a lot of money back and when you keep nagging the board to raise it.
Kevin you need to calm down with the spending 😂
no spend more spend spend spend
This was GAME CHANGING for my PSG save in Second Season and whilst i know i will be paying for this for years to come, i really have no need to spend anything in future windows (at least the next three)
Transfer budget: £196m
Player Sales: £139m
Esposito: £7.25m (Bargain in my opinion)
Ansu Fati: £120m (3x £13.33m installments)
Alexander-Arnold: £104m (3x £8.66m installments)
Alphonso Davies: £94m (3 x £10.83m installments)
Erling Haaland: £113m (3x £10.16m installments)
Totally changes my team with young players who should turn out to be amazing!
I've been using these tactics for years and it's a great strategy. Fm19 signed sancho from dortmund for 130 mill in installments over maximum duration for wolves... Plays dividend if you sign the best players possible from the offset whenever you have a chance to sign them
Ended up winning the quadruple the next season. Premier league carabao champions league and fa cup 🤣
So long as the club is winning ... Which it will do with the best players and the best tactics.... You'll win enough trophy money and tv rights and increase club stature leading to bigger sponsorship to offset the debt
I kind of did the same thing in my motherwell save, I loaned a load of players then extended there loan for another year then signed them when their contracts were expiring whilst on their loans, got some good young players doing that
Instalment my favorite thing to add to buy player and my most avoided thing to sell player on early save
It can be a good thing for long term stability if you don't actually need the money when you sell. Depends how you play I guess, I prefer to have a nice healthy bank balance and try do well with less known players.
Been playing football manager for nearly 12 years I know the insides and outs of it like you do, always pay for instalments unless its under let’s say 15 million. Hopefully you get donnarumma 👍🏻
Hey Kev Quick Question... How did you spend 100Million yet you had a £1MILLIOIN budget!
I wish someone would make a video on this
If only there was a video explaining...... Where would that be?
@@whyjustwhy4400 Kev has said he's making one, let's hope he releases it in the next few days.
@@x.invictus6597 good. It was making me stressed.
Here’s the link: ua-cam.com/video/dQw4w9WgXcQ/v-deo.html
Kev teaching the Dark Arts of the Never-Never. And in FM21, no one can complain that it's unrealistic. Because the AI tries to do it to me.
Most of this stuff has been in the game since like cm01, surprised viewers didn’t know this.
Incorrect
My best method for gaining money in FM20 was to go through all of the leagues in Dec and scout, looking for players contracts expiring in the summer, then any I sign, I would loan out if I didn't need them, then sell them the following summer. I would say over 10 seasons I made £500m easily
Thanks for this, it has sone risks though I guess. I think you would have ended with a major financial problem if you didn't reach the Champions League.
True, You need to be careful
He would probably have been ok, as long as he didn't go and do the same thing again until it had all been paid. I suppose it's risk vs reward and if you want to make it to the big time, you have to take risks or get lucky.
that league table GD and the fact he got beat 8 nil should tell you all you need to know about this game so far
This is the classic way to build your dream team for 0 in Transfer fees (unless you count Agent fees and sign on bonus) in old FM games then sell players that you replace. i know i made 300 miljon £ on a budget of 15 miljon £ back in FM 99 and FM 2000 with a small club like Sporting Gijon to make them masters of Spain, Europe and later on World cup for clubs. They key is to have the installments set so you don't Fock up too badly in the future and collect debts(That can cause relegation)
Whenever I try sell players at Tottenham everyone gets really mad at me and they don't leave
I managed to sell everyone except Kane and Dier, because they are the captain and deputy, and buy elite players in return. It took me only 2 seasons, in the third season my squad is as strong as Liverpool.
Kev ur my favourite content creator
The money doesn't come out of future transfer budgets though because fm chairmen cash injections at the end of every season just bail you out thats why you never worry about it
Well you kind of do worry about it when your finances start to go down the toilet and the ffp police come knocking at the front doors.
Lool if finances go down the chairmen just do cash injections at the end of the season . And the FFP does nothing in fm no matter how much u spend. The game doesn't let clubs go into administration for legal reasons so u can abuse finances all u want
If you also offer to give the other team 50% of the next transfer deal you can cut a transfer in half, so that Emerson deal could of been like 2.5mil up front, 7.5 mil over 3 years and 50% transfer, I use this on players I know I am never going to sell, it's also how I got Lautaro Martinez, Zaniolo, Livakovic, Aouar, Aarons, Grimaldo, and Demiral for £68 Million(upfront) in my first season as Arsenal.
Even if a player wants to leave later on using this method, you will still likely make a profit on the money you spent even if another club takes half, I got Aouar for £21mil (£6mil upfront) he will resell for £70mil + guaranteeing profit.
its very dangerous for lower leagues, but you can use this method to sign a wonderkids or a very needed player for your squad. I use future payments even if i have the money to sign someone
isn't this just how real transfers are done?
whos here before the title got fixed
What Change?
Just a minor typo.
Me
My only question 🙋🏿♂️ is how do you know which players you want to sell when you are just starting? Perhaps sell some of the older players with expiring contracts who you likely won’t resign?
I've only started playing FM for 4 days and thanks to you I've managed to raise over £100m in sales and watching your how to buy video I signed loads of amazing players on the never never. I need to know how to negotiate players contracts. Are signing on fees normal? All the up front fees saved seem to be going straight to the players. Are appearance fees including in wage budget? I've managed to upset a number of agents by not agreeing to terms but then I'm losing their players. Should I leave it to Daniel Levy?
Does anyone have a link of where i could find the Lollujo visual for the main squad view, so i can download it? i have searched at steam but came up short
The add-ons were bugged in the beta too. They accepted stuff far lower than they would have otherwise (e.g. Haaland for 15 mi, Mbappe for 30)
Damn! I thought that was the way transfers are supposed to be, now I know why my Valencia save despiste all success still with bad economy
Question, cuz I can’t find it anywhere. Every time I want to buy a player, they ask for a ridiculous amount of money. The player is worth about €5 million, but they asked 300!!!!! Million for him. And another player worth €2 million, they asked €40 million. Why that high?! Or am I doing something wrong? Plz help.
I know you say not to do it every summer, but at least in FM20 you could. You just had to ignore the club finances and wait for those lovely 70M soft drink sponsorships to come rolling in.
We don’t know if they’re in FM21 though, hence the warning!
@@lollujo Only one way to find out though. :)
Could this be done in the non league to legend save too or does it only apply for clubs with big money?
The game should take into account installments due when giving you next seasons budget. (Maybe it does)
It kinda does, on fm20 it felt like it just gives you a lower budget the following season in preparation for the 90m each year for next 4 years
listening to all that credit crunch hert my head lol always pay on the never never
I almost never use installments myself, I'm convinced I would lose track and end up in a right mess.
You don’t have to keep track, the game does it for you
I did the whole spending money I hadn't got thing when I was 18 and I think I'm permanently traumatised haha
Thank you! More of the good stuff, please.
Great video👌👏
Great info thanx for this :) I do however have one question. Which impact does this method have on the FFP ? Cant the game figure that out either or will it cause FFP to be broken and give you penalties ?
All well and good but I’m trying out a villa beta save and could not get any sales done. Managed to get 2 players out for cash, everything else was loan to buy
Great tips Kev. Thanks
weird bug happening on my save
i played Man city twice at home in the league (no away game same with Newcastle)
Tottenham twice away (no home game same with Everton and Leeds)
no idea whats going on
If I'm a snob and want to search for only the "top" Division players from each league... does anyone know how to do that? I've looked through the options twice before asking, but I'm not sure which one I'm looking for.
Great vid. Very useful
A piece of me dies every time he pronounces beta wrong
the video we need but we don't deserve
Thanks for the video, very informative.
Kev’s fm superpower is massive debt
That’s how you fast track the growth of any business, including football clubs...
Does this work on the Xbox One version of FM2021
Have you produced a video showing player terms being negotiated?
Can you do a video on how you would get players with relegation release? just noticing a few people mention bigger teams going down in FM21
In 2042 100 million is just enough to buy one good player, wonderkids are not for sale .... any of them, the only way to get one is to use a buyout clause hence why the Spanish league is popular, they still cost a hefty sum if you don´t get them early. I just had to splash 170 million for a midfielder, in my situation it´s bringing in one player a year and discarding one.
is the team of legands worth doing i no you have to pay for it pls can you do this vid
This video is if DarkSyde Phil ran a football club
This is the Leeds Utd story playing out
Do lots of transfers on the never never.
Awesome video, but your head blocks some of the stats, can you move your box? lol
Isn't that the Leeds United transfer way? Lots of assuming champions league qualifying and then 1 season where it goes wrong and off you go.
I didn’t say do it every season...
@@lollujo true that. Good job its the beta save. Only takes 1 bad season to mess up a long term save 🙃
anyone know when fm comes out on xbox?
1st December
The problem with this kind of thing is that it’s impossible to bankrupt a club in FM since chairmen will always bail you out or sell up. I avoid using the never never where possible for this reason.
Harry Redknapp did this and nearly sent Portsmouth out of business. 😂
All clubs do it. Football transfers are done on instalments...
@@lollujo I know
On a scale of Harry Redknapp to Michael Edwards, how good would you say you are?
Always wondered if you call your real life installment buys the "never never"! 😂
I never got the players that are worried about the installments or the finances of a top flight club (especially in the PL). Even if you start more of a lower table team with small resources if you make them more succesful as is the object of the game, the money will follow. Of course dont go crazy but if think you can get them to CL or even in the europa league the intallments dont matter that much in the future. There is always the charmains money injections and of course takeovers. It's really hard to get sacked because of poor finances and *spoiler alert* teams in the game wont go bankrupt.
PSG does exactly the same only in real life.
I did this on my 2040 league of Ireland save and my club is ruined
Dont you have huge chance to miss financial fairplay this way?
Only if you do it every season for years. Doing it once or twice should be fine
@@lollujo imma try a bit with Vejle, they dont got financials but man do they got training grounds and recruiting!
Gotta try and sign Danny ings from Southampton
Haha no thanks. I’ve got enough debt in real life I don’t need it in a game too!
This is bad.he is gona bankrupt the club long term.with this in the next 3 years he will have no transfer budget because of the instalments.For him its ok because its short term save but on long term i think this isnt gona work.
I was very clear in the video that you can’t do it to this extreme every season - but you also won’t have to.
Not to that extent maybe but if you keep making the club more succesful more money will come in. Also one tends to spent more on one year and less on another. Those players you buy are a longterm investment. You wont have spent hundreds of millions every year. I've always made my transfers on "less money down" basis and I've never ran into trouble in long saves.
Buy Renyer and Luis Henrique
Hahaha surely these installments are an absolute financial kamikaze!
Not really - it’s how transfers are done in real life
Yeah get 5-6 young wonder kid players in 1 season and fasting for the entire 3 next seasons
mint !
The worrying thing is this is actually how some clubs are run in real life... 🤦♂️😬
Rangers in 2012... didn’t turn out very well
as if streamer showdown wasn't enough, you and zealand are competing in same video contents now.
I just can’t get enough of beating him
Shit now I know you won the Europa League, I was not there yet
How to financially destroy a team :
One Millioin?!
How many times can he pronounce it "beeeeeeta" 🙈
Well considering that’s the correct way to pronounce it, plenty more yet!
@@lollujo for all these years, I've heard it as "bay-tah" 🙈
You’ve heard a lot of people saying it the American way then
@@lollujo you learn something new everyday then ;)
This video should be titled - There isn’t a budget in fm, let me show you how. I’d like to see some kind of instalment cap in next years fm. It’s absolutely cheating, bankrupting and poor form. Kids, this is not how we get the things we want in life. If you can’t afford it, you can’t have it.
You understand all football transfers in real life are done on instalments right?
chelsea need you kev 2021
Is pronounced Dennis Pratt
We need you at arsenal 😂
Welcome to fun on the never never
millioin :D
decent video but this shenanigans have been in game for 10+ years.
To you, and any other FMer.... SIGN UGARTE
1 milloin
Sounds like the Labour Party, spend now worry later
Doing it wrong, its easy to spend billions on a £0 budget.
How to be my wife 🤣
misleading title
Why are u in a suit
Why not?
@@lollujo haha i like it
Sad!!