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I echo Brad's questions. I also suggest going to league settings and financials, and looking at the average salaries for superstar, above average, starter, and bench level players. That will give you insight into how to scale the salaries.
I don't play with finances on in most of my historical games.
Once the season starts, you probably don't want to mess with the financials - and if you are not too far into the game, you may want to start a fresh game if you want to make changes here. On the other hand, if you're using this game as an experiment to learn the ropes - it's not worth restarting - just keep experimenting an posting questions as you find them.
As a newbie, I also suggest playing as commissioner. Acting as commissioner allows you more leeway fixing some setup issues if your initial settings weren't what you now want.
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