Its annoying that when one spends money on much needed troops and buildings, you find yourself deep in the red for multiple turns. That why I regularly use the money cheat. I also use it to benefit the A.I. controlled factions, partly to justify my use of the cheat, and partly to provide myself with a sufficient enough challenge from the game. I also like having large, well-balanced armies at my command, and the sinews of war are limitless money.