Sell fruit, fish, shells, bugs, or other unused stuff to Nook. He’ll only give you 25% of what you paid for the item though.
Maximize your time by not selling cheaper fish. You’re better off throwing it back in the water and fishing for more expensive fish. That way you won’t have to go back and forth between Nook’s and the river/sea so many times.
Send presents to the villagers in your letters and they’ll send you furniture or different kinds of fruit that are not native to your town. They’re worth 500 bells instead of 100, but if you plant them you’ll have many trees with lots of fruits that are worth 500 bells!
Deposit money in your bank account and you’ll earn interest every month. You can also cheat by changing the date and get a lot of money in interest. However, be careful because the town will be full of weeds. If you decide to do it, you might as well do it several times to make it worthwhile.
Shake trees and you’ll find a few bells here and there or even hidden furniture. If the bees come out, they will most likely sting you, but you should try to catch them, as they’re worth 4,500 bells at Nook’s!
Do errands for your neighbors and they’ll reward you with furniture or other objects. You can keep these objects or sell them to Tom Nook for some cash.
Fish at the ocean at night time, when it’s snowing or raining. It’s your best chance to fish a Coelacanth, which is worth 15,000 bells. You also have more chances to catch the Red Snapper and the Knifejaw. These are worth 3,000 and 5,000 respectively.
Hit all the rocks in town once a day. One of them will turn red and spit out money bags. Hit it several times consecutively, and you’ll get more money. You can dig three holes around yourself and the rock so when you hit it you don’t accidentally step back. You have to do this before hitting each rock for the first time though.
When you see “stars” in the ground, use your shovel to dig out a fossil, which you can donate at the museum (for free) or sell it to Nook for big bucks after it’s been identified by Blathers the owl. Sometimes it won’t be a fossil, but you can still sell the Gyroids. Pitfall seeds are worthless though.
When you see a glowing portion of earth, make a hole with the shovel and bury a money bag. In a couple of days, it should grow into a money tree.
You’ll receive money in a letter from your parents on January 1st - It will contain 10,000 bells. You can change the Gamecube’s date back and forth between different years, always on January 1st, and that way you’ll receive a bunch of letters with 10,000 bells. However, there’s some risk. You may lose some of your beloved neighbors, and your town will be full of weeds!
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