One of the biggest problems you face as a new manager is finding the cash to build your own squad. Every new manager wants to stamp their own mark on the new team but you inevitably inherit a squad of players some of whom you probably don’t want. If you don’t mind cheating then you can always add a new user, take control of a rich team with a good reputation and buy your dead wood away for high prices. You’ll want to do this during the transfer window so the cash comes straight in and the player goes straight out. Once you have sold off your surplus players and built up a nice cash reserve simply retire the new user. I’d recommend doing this with a rich team in another league so it doesn’t impact on your future games.
Another way you can make cash without losing the player is to set up a loan deal with a cash payment attached. When the player arrives at the new club and the fee has been paid just terminate the loan deal. Manchester City have the largest starting budget at over £80 million, Arsenal get £38 million, Chelsea get £30 million, Tottenham get £27 million, Manchester United, Blackburn and Middlesbrough all get around £10 million.