The Blues 2-1 defeat by United last weekend left Sir
Alex Ferguson's side needing just one point from their final two
games to scure a record 19th English title.
Chelsea, bankrolled by Russian billionaire Roman
Abramovich, spent £50 million signing striker Fernando Torres from
Liverpool and £25m on centre-back David Luiz during the January
transfer window.
But the London club, who won the domestic double last season
under Carlo Ancelotti, are set to end this campaign without a
trophy after losing in the FA Cup to Everton and being knocked out
of the Champions League by United.
"I always think we should strengthen all over the pitch (in the
summer)," England skipper Terry told Chelsea TV.
"I look back when Jose Mourinho was here - we had a very big
squad and great players who could come in, but then that brings
financial problems to the club and players become unhappy.
"We literally had 11-13 players who weren't involved, but they
were a very good set of quality players and we have missed
that.
"We need somewhere in between where we are now and what we had
back then.
"We lost a lot big players this year and maybe we needed a
bigger squad, but that's no fault of Roman or this football
club.
"What he has done for Chelsea, I couldn't put into words. It's
very easy for us to say we'd love to see this or that. It is his
money and he has dedicated a lot of time and effort, but I would
say we need players."
Central defender Terry felt defeats by lower in the table teams
such as Wolves, Sunderland and Birmingham, did huge damage to
Chelsea's title hopes.
"When it comes to the big games, nothing has been too different
in that the players have been very well prepared and gone into them
feeling like we could win them like last year.
"Last season we won at Arsenal and at Old Trafford quite
comfortably, but I always say they are very good sides, especially
at home, and you can win or lose those games.
"The matches against the other sides were important, the Wolves
game stands out for me and Newcastle, those are the ones you have
to win because when you're playing those kind of sides, the other
clubs are playing similar teams and winning those matches.
"If you drop points there it makes things more difficult and
puts pressure on the bigger games."