I'm at the start of my 3rd season. Finally got into the 1st division.
I had about 9000 credits and i spent nearly all of them on Buying my updated Ibrahimovic.
As far as my team goes.
Gk- kelsen
CB-hattori
CB-Ignachevic
LB/LMF-Eddington
RB-Nachetall
LM-Lee-Chun-Soo
DMF-Cellini
CMF-Jayo
RMF- Miranda
CF- Piliniak( He's amazing, 97 shot technique, 95 accuracy and 92 power. 98 attack, 90 speed, 90 responce ect.)
CF Ibrahimovic
Just on the created player point, it's really worth getting loads in the first division because after a couple of seasons they become wicked.
On my bench i have loads of no hopers, Baroja and the like.