I've used the money cheat for Rags to Riches like games to leave them penniless at the start and also later to throttle back how much they are earning to try to make the challenge last longer. Lately I've been thinking about cheating the "Needs No One" trait to sims who already have the Loner trait, too often I've let a loner's Social need decay down into the red then been taken by surprise by other needs that have decay not quite enough to show ahead of Social till it's a crisis. Other then that I haven't used cheats for my sims, but I'm newer to the game than most of you having started back in early Jan.
For builds I'm reluctant to use cheats because it'll complicate sharing them with others. Course like I'd said earlier I'm relatively new to the game.