I have a ridiculous amount of hacks in my game so I'm only listing ones that really make a difference. I'm also listing other tools that make simming and blogging a lot easier for me.
ACR 2.0 - this hack pretty much runs the romantic life of my sims
Antiredundancy, nodormieregen, nossrespawn, nostrayrespawn and notownieregen - essential if you want to create a hood with empty templates, stops the game from generating unnecessary NPCs.
Cyjon's Loan Jar - I use this for loans since I like that it lets you set the interest rate
Insimenator - very useful! I've only started using InSim quite recently but already I couldn't play without it.
Inteenimator - enables teen pregnancy and also has a good birth control system
Monique's computer, updated for AL by Chaavik - I handle almost all finances in Wellington with this wonderful computer, a must-have for hoods that have some sort of economical system
Other hacks I use
Age group tweak
Community lot skilling
Days left shrub
Expanded and reduced LTW
Inge Jones' playable school - community lot school tutorial by Carla here
Male bodyhair overlays - fixed version here
Monique's child support
No 20k handouts
Real sickness - make sure to download the mod in this post, not the first post of the thread
Programs and other tools
SimPE - how did we simmers ever survive before this program was created? LOL
SimCamera - the good ol' picture-taking program which I still use to take all my screencaps
FlashNote - a very handy program which I use to track down everything that happens in Wellington
RandomStuff by Hook - wonderful little program that I use nowadays instead of rolling a dice for everything, ie. ROS, baby naming, aspirations etc.
ilmainensanakirja.fi - an online dictionary which I use frequently when I'm writing the blog updates (since English is not my first language)