Ok, if you haven't got 10 LP's or you can't max their needs faster, here is a cheat for you
1. Enter Sims Freeplay. (Wait while it loads)
2. Enter the Settings.
3. Turn off 'set automatically'.
4. Change the date to 1 July 1985
5. Double - click the home button and you will see the recent app's you opened.
6. Hold your finger on the Sims Freeplay icon.
7. There will pop up red and white buttons on the app's.
8. Click the button on Sims Freeplay icon to close it.
9. Enter Sims Freeplay from the main menu. (Wait until it loads)
10. When it is loaded, go back to Settings and turn on 'Set automatically'.
11. Enter Sims Freeplay again & all your Sims are inspired and you have extra cash
But extra cash depends on your level: 1-7 levels get 1,000, 7-14 get 5,000 & 14+ get 10,000.
Note: this cheat works on planting and cooking, too
Hope it worked