Ohh, you mean money cheats. I don't use money cheats. In fact, I've modded my game to make bills even harder and allow my sims to take out loans if need be. Money in this game is much too easy. Kills all the fun for me personally. Other families I am not controlling however I may use freerealestate on for them.
But I use other cheats like testingcheatsenabled true, buydebug, moveobjects on, etc... It's important to play the game the way you want to. As long as you're enjoying yourself, don't feel obligated to control how you use cheats.