Being out of CL whend you do not buy tokens it is the worst thing that can happen.
League prices are not very high, mostly to help pay wages.
CUP you Never know what can happen, also the prize money are only good After the first 3 stage.
CL at least you have 6 games to earn good money.

I already stayed out of CL spots, and the season After is always very dificult, because the money is a problem.