I tend to use a lot of the euro leagues - try starting in Belgium with the mighty Oudenaarden in the lower tier, or with FC Brussels - they've a bit of cash, and more ambition than necessarily ability.
My latest game (started yesterday) is an unemployed Sunday Footballer, and I got a job immediately with Mo IL in the Norwegian third. ****** all money, nothing of a rep, no transfer funds, a low wage ceiling, and only two players signed to start, who cost about a third of the wage budget. All the facilities are basic or worse. Have just managed to sign 17 or 18 players, and am currently being thumped in game after game in the snow by big name Norwegian teams on our synthetic pitch in an effort to get up a few quid for wages / improvements. I'm having an absolute ball!