Do you use cheats?
Every so often I will use the right click + mailbox with testing cheats on to fill household needs if they get too bad. I cant even recall the last time I've used money cheats because that just takes ...
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When I play my "rags to riches" sessions, I use the cheat to have them start off with 0 simoleons. I sometimes also use money cheats for Sims I don't intend to play, but want to live in a certain house they couldn't afford right away otherwise.
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