I would check if you are getting hit with a transfer expenditure every month. Seems to be a bug. My save with Man Utd went over 100 million in the red in less than a season. That's after I sold Ronaldo and AWB and only bought 4 youth prospects. 3 of them was under a million and the 4th was 11 million. Still got hit with a 30-40 million transfer expenditure every month.