How do the monthly payments work?
They've always seemed pointless to me as I can't exceed my transfer budget even with them, so I always just pay the full lot up front. Seems the same in FM too.
I'm playing on a mate's computer, as Man Utd (yeah....I know). First time I've ever controlled a British team!
I have bought:
Bonera (£10.75m)
Ferronetti (£can't remember!)
Volpato (£1.75m)
Ucello (spelling) (£250k)
Mascherano (£6m)
Rungratsamee (free) looks awful!
Kuffour (£1.2m)
Sold Alan Smith and Paul Scholes.
Volpato is beginning to come through, MOTM in previous game, now he wants to leave England! So I'm bringing in an Italian coach, hopefully help him settle. I use him as a sub for Giggs (who is insanely good).
Ucello, painfully inconsistent. Where do you guys play him? I put him behind the two strikers, and he just got two 4s in a row. Previously he was hitting 7s and 8s in this position.
Ferronetti, been in the Olympics so not played much, looking OK.
Bonera, was playing well then got a 5 vs Werder Bremen who beat me 4-1 :down:
Mascherano, playing very well.
I only have Saha (injured) and van Nistelrooy as out and out strikers. I'm thinking of playing Rooney behind them.
On the other hand, he can play up front if I want to rest my main two, then I can have Ucello or Ronaldo playing behind the strikers, or maybe Brandy.
I have to get rid of Kuffour. He got suspended twice in two weeks.

I have Bonera-Rio as main CBs, also Brown, Silvestre, O Shea. So Kuffour I should offload as he is a liability. I wouldn't mind another quality CB tho, as O Shea isn't the best and I need Silvestre to cover LB too.
Any ideas? Bear in mind I have no money unless I sell Kuffour and/or Bellion.