Now you got my attention. How is that possible?
If you DO have the money on that day, you will actually get a a message that you shouldn't have as much money at that point.
To get money at start of game (should be enough) WITHOUT cheat:
1) ONLY have camera in Lounge. NO OTHER Cameras.
2) Ask for money as often as possible.
3) Set up your site as soon as possible. This means you MUST buy the book and read it FAST.
4) Get site money and buy adds EVERY day (as soon as you wake-up). As you get more money, buy more adds. I tend to stop buying at 4.
5) EVERY time you advance time have Max be in the Lounge. You can do other things, but if you have the option then Max needs to be in the lounge. Yes you can visit other rooms (and the ladies), but there is little to do in first couple weeks so GET TO THE LOUNGE.
This SHOULD give you plenty of money. You will not get to take classes (maybe first of each class). The KEY is to have ONE camera and be in that room as many times that time moves forward as possible. You CAN get enough money, just need to forget expanding cameras until you buy what you need.
Hope this helps.
P. S. My Chocolate Chip Cookie begging