Same here.
Even if it did work for the cup to save, get easier teams, then fire the points at the players to improve ... I wouldn't be bothered. Use as you go.
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There is one reason to save skill points.
If the player is in his last year of his contract. Don't assign points during the season. Allow the season to end and the contract to expire. The player will age a year and his value will decrease by about 10%. Then renew his contract for a cheaper amount (salary will stay the same but the signing bonus will be less). Then assign the skill points.