That's not a real cheat and already known for years, I know there's an application you can run together with the game so you can change everything in-game the moment you're playing, more useful for the people who want to cheat.
Are you bankrupt? Add some millions to your account, jealous Ronaldinho isn't playing at your lower league team, add him to your squad on a low wage if you want, you're on a relegation spot, quick swap places with the future champions, and so on...
I think if you wanna cheat you better look after that tool mate, easy to use, and quite some fun (for 5 mins)
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