So I started a save from the beta. Not been able to play as often as I wanted but finally am at the start of the January window. At the start I disabled the first transfer window budgets, however in January now and when I got the option to change expectations it didn't give me the option to select anything with a transfer budget. I was able to get more wages though. Turns out this only affected me. Other teams have been buying players. I sold someone and kept that budget so it's not completely broken but I didn't get a chance to get a budget.
Potential bug? I have a save game from December 30 so one can forward to January 1st to get the option for the budget, if I need to post this in the bugs forum