Welcome to the forums. For future reference, questions like this need to go in the Help Line forum.
I don't know of any cheats, but you shouldn't have to race so many races to upgrade a car. You should be able to find a particular event that gives out plenty of money upon winning, or an event that offers a better prize car upon winning. If you want to know what to expect ahead of time (prize cash and money) for certain races, check a FAQ, guide, or walkthrough.
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