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But we didn't really "spend " any money on players. We received circa £15m in fees from selling players so were well in credit on that front

I'm not sure this is true. If you are earning £10k a week you could probably buy any house you wanted in the UK without the need for a mortgage (except some places on London). Main thing being you can then sell the place when you move on, so it won't actually cost more to live here than derby...