During transfer season, in the search window search for free agents. Sign those players. They will be part of your team for free, as you have not paid any transfer fees. Sell those players to earn money.
Getting past a World Class or Legendary goalkeeper is no easy task. He will block away most of the shots and chip shots. However you can easily trick him with the finesse shot. When the goalkeeper is running towards you or staying calm, press in the direction key of the post (where you want to score) and hold Q + D.