@CJ: You could be my brother. I have the exact same playing style
One more tip to save money. Try to get young players that last for multiple seasons. Young fast trainers (hard to spot in higher levels though) will normally last for 4-6 seasons which means you won't have to buy more then 2-3 new players every season on average. This is the biggest money saver if you ask me (and more importantly token saver). Even if they are not good enough anymore and you get them to 79/99% you will still get a good price and 2-3 tokens for them. I sold a MC with playmaker ability for 158 mln and 5 tokens a few days ago and he was 26.