I believe you have to set the routine just like the workout one. So you set it to do all the stuff you want it to do and then when you click it it does all of it in one click. I don't know all the options I never use it or any of the other routine options, I am also one of those that never skip straight from the apartment to outside or vise versa I always walk out of the apartment and down each of the stairs. So all I can say having never used it myself, is I believe it is done like all the routines and you have to set it up first.
As for cheats the money one is safe. the teleporting one and time ones are the two big ones that can cause issues. the rest are relatively safe. I have used most of them in test games to test things out and never had issues, other than with the time and teleportation ones.
By the way, at the beginning of the game, I rewinded the time 10 days ago, how can I understand that something is wrong and I need to start over.