Money cheat. Yay or Nay?

I used to cheat their money up to a ridiculously high amount and never worry about their money again. Money has always been a massive restriction in games for me and I much prefer to not worry about whether I can afford to build something or not. Now I use "motherlode" until I have enough to build them a nice home with everything they and their future generations will need. My current household has the parents and 3 children and the bills are so ridiculously high that I'm forced to cheat every 3 Sim weeks just to afford the bills. The father earns about 3,000 a week, but the bills are 13,000. He's the only one earning any money. Should the bills be that high or is it some bug? My other saves with 1 or 2 Sims in the house the bills are 1,000 - 3,000. I also use the money cheat for those saves as they are for capturing game features so those Sims do not have jobs.