I have started my FM save with Birmingham City during the Beta for the past 4 or 5 years. I, like you, only get limited time to play so I only every get about 5-8 season in game completed per year, which I am fine with as I only really like it with real players. Of those 4 or 5 years, there was only 1 year where I had to restart the save due to a bug whereby after gaining promotion to the Premier League, the board wanted me to basically win the league, win all the cups and go unbeaten all season and gave me a budget of about 15mil. Besides that, all other years have been fine to carry on with.