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Open the cars.ini file in the Game's CARS folder using notepad and change these lines
price=10
nfsprice=10
For cheap tracks open tracks.ini in the TRACKS folder and change all lines starting with m_price to look similar to this
m_price[0]=10
Free money
To gain extra money you must first have not bought too many tracks. End the game if it is not already closed. Go to the location of your file. Usually it is stored under C:\program files\EAGames\Hot Pursuit 2. Next go into the file called tracks. In this folder you should find a text file called tracks, open it. If you scroll down you will notice that all of the tracks are grouped in an organized order. you should notice three or four numbers with some of them being different and some of them the same. All of these numbers should be in the thousands. Change all of these numbers to a negative number such as -60000. You may wish to change all the numbers for each track to a negative number. Exit the program clicking YES to save. Start the game and buy a couple of tracks, when you buy them the computer will end up paying you money. You will know if you have done the program correctly if the computer says the track costs -60000. Also you can switch the track to backward!