Just bear with it. Over the first few seasons you do not have to spend huge amounts on top class players, you should get promoted anyway and reep the prize money. Only build your team so that it is good enough to win. You do not need a 6* team to win the league and so you can start accumulating money by being really careful in the transfer market, check out your opposition and buy to beat them not massacre them. Also the more important thing is tokens and if you have only just started then take advantage of the free offers available from surveys etc. There is a link to this but sadly I cannot find it at the moment. Just scour the forum and you will find some wonderful advice.