If u want to get in the mages guild without joining in the citadel you can use the paintbrush glitch. Go to the wall in the citadel and drop a paintbrush. It floats in mid air on the wall. jump on it. Drop another 1, jump on that 1 and repeat and you will be at the top of the wall in no time. You can use this glitch to get anywhere rele high up.
Also if u do the final thives guild missions, u shouldnt wear the springheeled jack boots when you jump down the grate. Instead take them off. You should lose a little health when you land but you will still have the boots for use throughout the game and they give you loads of agility.
Here are two money cheats for oblivion.
Become a vampire and then ask for a cure. You will be sent on a very very lengthy mission to get the cure however once you have finished it go to the lord and ask him for a reward, instead of leaving ask for a reward repeatedly. Each time you do yu get 10000 gold. In just 10 mins i gained about a million gold.
This other one is for people too lazy to do the vampire cheat. Go to the imperial city in the Talos District. Go to the house of Dorian. Kill Dorian. When you do keep pressing a to pick up the gold and it never runs out. But the body eventually disappears so the first time u loot him dont waste it