I spend my money in a shopping centre and buy tokens? I buy tokens once a season (£10 for 129 I think), 100 tokens for two scouts and my tokens I have farmed + 29 spare to get a bank investment to afford those players. £10 a month isn't much at all.
Money for buying transfers is from collecting it from prizes and match payments, etc. (I should get around 6million by the end of the season purely from moneyfarming)