Fraid there isn't one...but have you read the guide I wrote for it? I need to update because of his latest changes, but I give a lot of tips and tricks and good info on how to get through it. Once you're established everything is easier (like a lot of games really). Anyway, it's at http://www.universalboxingmanager.com/gameguide/index.htm

I'm thinking to make a trainer/editor for new update of UBM... since got some users complaining about the fact that they always go broke

Or at least a option menu where you can choose the difficulty.

If you don't put your equipment and doctor up, you won't go broke. Just make sure that someone is fighting at least every other month until you build up a cash reserve. You MUST have two boxers before long however, one won't generate enough income.