There are various questions answered in this thread about what to do, but no compiled guild that I know of.
There is a cheat detection on some specific enemy spawns, however if you keep your stats (except HP and MP) under about 700 (reported by someone else) and a relatively low amount of money (no idea on the actual amount) at the start of a fight it won't go off. Those are the only cheats I've seen trip the detection, so obviously use at your own risk and use multiple saves in case you stumble into the detection. I personally capped my cheating stats around 200 IIRC (through using the in game items) and only tripped one when I still had the massive amount of cheated gold on hand.