I actually just started a season with them last night for the first time on fm10. I used them a few times back when Keano managed them
Well I started by saying top half finish so got 8.75 million transfer budget. Although on dec 18th the chairman gave me 22 million



stating an increase in club finances caused it but there was nothing and my balance was the same at only 20 million.
All my purchases are always zero down then 48 monthly payments so for every 10 million i spend you only use 2.5 million of your budget. So a budget of 8.75 million gets you about 35 million in purchase doing them all that way. SO then I sold Jones to Birm for 10 mil and sold Reid to Arsenal for 7 mil (Why they bought him i dont know a year on and he still hasnt played a game) Oh and sold Ferdinand for 4 mill. So that give me a total transfer budget of 38 million but doing them all with the zero down 48 month payment that means i can Spend, waged budget permitting, 98 million
So I started by buying Gago 4.7 mill and Diarra 3.9 million
Then Bought Lacina Traore for 2.8 mill
I then bought Abou Diaby for 4.5 mill and also sent Steed Malbranque the other way (Another Arsenal buy that never played)
I Then Bought Milan's Boricello for 6 million
Then Zapata for 12.5 Million and Sarna for 14 mill 48.4
I Then Bought Annan (SP some Brazilian DM/MC) for 4.5 mill
I Then Signed Jadson on a free and Ander for 11.25 mill in January
Which takes my total spending to 64.15 Million all with zero now and over 48 months.
I lost my first 6 league games in a row scoring once until a run of 4 wins took me off the foot of the table and got me into 7th
Its nows 25 games into the season and my record is 13 3 9 For 44 AG 28 +16
Started rocking towards the end of the year and am sitting in 6th
My Lineup 4132
Gordon
RWB Srna
LWB Richardson
CB Zapata
CB Cana
DM Gago
CM Cattermole
CM Jadson
CM Diaby
FC Boricello
ST Bent
Bench
Fulop
Turner
Diarra
Hutton
Campbell
Annan
Mccartney
I guess thats about it. I always set the rest of my transfer budget into wage budget as having a big gap in wage budget keeps the board happy and having no transfer budget doesnt seem to bother them so if i ever have any left after buying i pop it onto the wages.
I tried to get Lukaku but he wouldnt come unless i made him a key player and i just couldnt do it.
:-/