At the start of your season, do not spend the money you have immediately on staff upgrades and new players. Instead, spend the money you have on renewing player contracts. Wait to get your players morale up first, as they will be more likely to accept a renewal if they are happy at the club. Sometimes you can cut a players salary in half, if not more. Make sure to save the game before renewing contracts so that you can start low, and increase each time if the player refuses the renewal. If a player refuses the renewal at a high price, and they have a high moral, then it may be because they are close to retirement. This can earn you up to 3,000 credits (off your current salary) each match if done well. Alongside a good sponsor, you could be earning 7,000 to 8,000 credits each game when at home.