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The transfer market on Ultimate Team can be your best friend or your worst enemy.

Take your time and find the cheapest card of the player you want, because none of us have as much money as Madrid. Use the filters to set a maximum price range and slowly go up or down until you find the cheapest one. You'd be surprised at the money you could potentially save by doing this as lots of users list players they don't want for lower than what they are actually worth just to make a quick buck. 

The transfer market also crashes from time to time because of events happening in the game, such as Black Friday and Team of the Year. If you've got your eye on a certain big player, try your luck at waiting for the market to crash and you just might score by picking them up for sometimes as low as read more.