Says on the right side how much it will cost you on this years budget and next if you choose to pay over time. Paying over time will cost you a lot of extra money on next years transfer budget
I have the excact same problem. Tactic works perfect for seven months and then suddenly it doesn't work at all. I try switching to something similar, in example switching from offensive midfielder to one defensive. Even this doesn't work, seems like I have to build a complete different tactic...