If you use money cheats in your game, do you increase or decrease your Sim's funds?

I've done either in different saves, and both in one save; I let my Sims "buy" a house they couldn't afford, taking all their money as a down payment, then after bills every week, I took away more money until they'd paid it off. It involved math and keeping track of how much they owed, but I really like how it worked out.