To be honest, club finance is the most pointless feature in the game as you need tokens to buy players anyway, and any money you make is usually enough to keep up with stadium works.
I Always set prices to fill the stadium rather than make money as there is far more advantage having a full stadium than a couple hundred k in the bank.
I'm L15, 1.74m fanbase, tickets prices are currently £43 and rising each game as attendance is at the maximum 204k. My money is at 372m and will just keep rising as i refuse to buy tokens to enable me to spend it.
So guys, only make enough money to keep you ticking over for your building projects unless you are prepared to skip mortgage payments to buy tokens. Seasons are quick and its much better to spend another season in the same division hammering the training to improve the players you have.
I usually get my players to 5 star, go up, get hammered cos players are 4 stars, the following season most of them are 5's again and i get promoted again. I've never spent more than one season in the same division, i rarely even change tactics as this game is not about skill, (Not changed tactics yet this season and won 7 out of 7 so far. i only log in to train and check results).
In higher levels, with a top youth facility, you will get 2-3, 4 or 5-star youngsters per season. You will also get 1,2 or 3 star players as they all come in pairs. I sell the crap one (He's 5 stars to teams below you), keep the good one, and sell the worst/oldest player you have in his position.
So...in short...Train your players (its free), save your tokens for the youths, spend your money on Stadium (1 capacity upgrade per season), the youth setup, training ground, car park, and medical as priorities and most importantly, be a little patient.
Conveyor belt (youths), loadsa money (selling players), dont have to buy tokens (not buying players).
Job done, Roberts your fathers brother, G'night.