Money is an issue in the first levels.
As I said, an easy way to make money from token, is to buy the recommended (expensive) player.
Here is one I bought for my team at lv1

Click image for larger version.  Name: new d4 AMC-MC recom 17T.jpg  Views: 382  Size: 78.4 KB  ID: 70153

good player, unique positions and 1/3 of the token the bank want

Another interesting thing is the win bonus.
First I don't suggest to put the max lv. The first lv can do the job, to gives you an advantage.
Also some interesting questions about the bonus, you can find here
http://forum.topeleven.com/top-eleve...questions.html