Start an eight-Sim family ... turn "free will" off temporarily ... buy a desk, computer and chair and get each Sim a job ... sell back the desk, computer and chair ... buy a fridge ... turn "free will" back on and play in high speed. Now all you have to do is make sure your Sims go to work each day. No matter how bad a mood they are in, they never lose their jobs -- with eight Sims working you'll earn between $800 and $2000 a day. With only a fridge, the bills will be VERY low and it won't take long to build up a sizeable bank account. When you have enough money, just kill off any extra unwanted Sims.