Try playing with a team outside of the premiership dude, that's where you'll find no money available for transfers.
On my 2nd season with Aberdeen, and I have maanged to grab a few cheap transfers that has propelled my team to a comfertable second place, finalist in the League Cup, and Quater finalist in the scottish Cup.. went out of Europe early like any good scottish team
Decent players - Chris Maguire - 17y/o - Is a cheap buy if you get him early from Aberdeen, and goes on to be worth a few million. The same with Lee Miller, scores for fun and is worth a few bob.