As I said before, money it's very important in the first levels but lv1 it's the most difficult.
That's because you don't have any managers/teams below of your lv, meaning that your 3* player cannot sold to another team as a 5* as a manager lv3 can sell his 3* player (or 2* academy player) to you as a higher * player.
So, I bought this player, for 1 T
Click image for larger version. 

Name:	8-1 fa MC 1T.jpg 
Views:	191 
Size:	64.9 KB 
ID:	51654

trained him a little to get his 4* and try to sell him.
Wasn't so easy, was trying a lot of times (giving a good discount also) and finally changed his name to Andres Iniesta.
This time it was better. So, spend 2 T but got 600K.
Click image for larger version. 

Name:	selling Iniesta.jpg 
Views:	191 
Size:	94.1 KB 
ID:	51655

not bad
Click image for larger version. 

Name:	bank loan.jpg 
Views:	190 
Size:	34.0 KB 
ID:	51656