Safe to say fellow swfc managers on FM20 are about as scarce as our transfer budget, so it's nice to have found this thread.
I've offloaded similar to you guys, 250k for Rhodes (Just wanted his wage gone), 2.4m for Lee, 2.3m for Fox, 1.7m for Odubajo, 1.4m for Winnall, 85k for Jones and 220k for Baker. Trying to shift Nuhiu and Fletcher (though that brought up a stink), as I hate aged injury prone half arsed players.
Brought in Brewster from Liverpool, Cobbaut from Anderlecht & Ofosu Ayeh from Wolves on season long loans. Aaron Niguez on a free who is really good, despite his age and Max Kilman from Wolves for 245k.
Using Westwood between the sticks, a back four of Thorniley, Lees, Borner, Iorfa which is sufficient for now, looking at Cooper from Millwall but can't afford him yet. Hutchinson in DMC as a ball winning midfielder, Luongo and Bannan in CM as a BBM & DLP respectively, Niguez & a combination of Murphy / Harris / Reach out wide with a lone striker of Brewster / Forrestieri depending on my mood.
Goals don't come in easy unless it's in my own net but looking like a mid-table finish with an overhaul at the end of the season to free up wages and get rid of dead wood. I've changed most of my backroom staff as they're pretty dire, and Chansiri usually lets me increase the coaching staff to enable me to get 4* on training workloads.
Oh, tactic wise is just a standard wing-play 4123 setup, playing with AMR/AML and a lone striker.