Finances is another thing on the 'joke' side in this game. In the low and medium levels, you will nearly always have a net loss (no profit), and also be regularly in negative balance despite winning lots of competitions and having good facilities. Signing academy players to sell, especially the non-token, is a decent way to make some cash but you are on low levels now with low level facilities and it is not worth to rush anything. Way back, the old transfer system provided another means to make money, for example signing free players and then sell.