Hello buddy just reading through...I would go a bit higher with Saints budget tbh nothing drastic but they had a lot of money come in so far. Markus Liebherr actually died in 2010. Nothings really changed just Cortese left and been replaced. They just became a bit more business savvy imo and the press jumped on the bandwaggon as they got a woman in charge lol. Last season they still spent around 35m. With that in mind i would say 40m is not enough. To spread the money out i would go. 60m balance 47.5m budget 150k wages. Also Callumn Chambers needs a CA upgrade he is only 117 and a -8. He need to be a up to say 130 and maybe even a -9 but thats debatable. He was great for them last year but went under the radar a little bit. If you can make him a defender wing back left right with 20 as rb and 15 in the other positions.As he will cover a lot on the left by all accounts and i've seen him play there last season too. Also I think the debt is a gift loan so i would be tempted to keep that on. Be interesting to see what they do tho...they would be a great save.