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Some of my friends told me this too, ``as a problem.`` But I don't think that is a problem. So, I think it is more realistic because you can't change your company / club yearly finance plans constantly. You can set it in the begining of the year and then go with it whole year.
By the way if you see some news about delayed transfers, there should be a button about set finance immediately or something like that. Also you can see this button on the contract screen. If you press that, the game sets finance automatically to sign that contract.
Thanks for the answer though.