I have to play by the rules or I get bored
I only cheat in small ways:
I skip the baby stage and static toddlers' motives.
I fast forward college to two hour-long sessions (maybe hour-long, haha)
I have the "No Friends for careers" hack and "Triplets/Quads"
I have every house set on "AutoPay Bills"
and if I have to I'll give college grads enough money to get a cheapo apartment.
But that's it, everything else is by the book ;]