Money cheat. Yay or Nay?

The only money cheat I use is freerealestate on for Sims that I place in world but I'm not planning on playing. I also used it on my Paranormal Stuff test Sims because I didn't want to test it in a tiny starter house, I used the hounted house that came with the pack. I did delete all the money from the Sims, though, to make the game at least a little bit more challenging. I'm also planning to pay for the house later if I decide to continue playing with those Sims after I'm done with the testing.

Using money cheats makes the game boring for me. I love it when my Sims earn their own money and start being able to buy things and upgrade their house etc. Getting rewards from leveling up on a career also feels great.
I used money cheats in one save when I started playing Sims and everything felt so easy and sending my Sims to work was meaningless. I got bored and started another save without cheats and I loved it. I will never use money cheats again, unless it's required on challenges that I do.