Money cheat. Yay or Nay?

I'll add that I also tend to download elaborate houses from the Gallery to fill my worlds with, so even the smaller homes end up having really high bills and I need to cheat money or they'll never get paid. I also don't make all of my Sims work. Some have jobs and sustain a living but others have "inheritances" or are Occults or other beings and they're above the mundane human lifestyles, lol.