I guess its not too bad as a beginner, I can remember starting off and buying the odd 3* player to make up the numbers but you soon learn that it's only worthwhile to buy 5*, but of course that will depend on whether your on a old or new server, new servers tend to have bidding wars on the best players all the time. While old servers it's easier to get your hands on 5*, Since your profile says your from the UK you can spend a short amount of time each day 'watching videos' to farm some tokens.