How to make lots of bells, without the three Ts?

capnport

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Hi! I don't time travel, I usually am too tired at night to catch tarantulas, and I'm really really bad at the stalk market. I'm looking to pay off my loan, however. Without Time-Travel, Tarantulas, and Turnips, how do I get many bells fast?
 
If you're in the northern hemisphere like I am, there aren't a whole lot of super rare and expensive fish available to catch right now. We're used to sharks being available all the time like in New Leaf, but I've been making small amounts of money by catching red snappers and barred knifejaw (3,000 and 5,000 respectively) and if you plant a lot of flowers in a concentrated area you can try to farm for peacock (apparently this kind of butterfly gets censored :///) butterflies and raja brook birdwings (2,500). orchid mantis also spawns easily on white flowers (2,400). these seem to be the most commonly spawning fish and bugs that sell for decent amounts of money, but right now there aren't a lot of easy moneymakers like in other games.
 
...I get the feeling you mainly posted this because you like the idea of the three Ts lol.

No but seriously, most of the time you can find somebody online with a turnip price of more than 600 bells each. While this isn't guaranteed, it may as well be and if you only invest a certain amount each Sunday into turnips that you don't mind losing you should be fine.

Otherwise you could wait until CJ is in your town and sell a load of fish, same with Flick and bugs.

If you want to get into trading on this forum, Nook Mile Tickets are going for 200k-250k average.

EDIT: Yeah, like chees4mees says, there just aren't that many good moneymakers in new horizons :(
 
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sell foreign fruit (coconuts or fruit thats not from your island) and catch agrias butterfly or an atlas moth (3,000 bells); you can also catch tiger or atlas butterflies. fishing is probably a lost cause duo to the easter event and all the fish are being replaced by water eggs. visit other islands and get a bunch of fruit to sell too. but if you are really desperate you can also sell materials you aren't currently using.
 
if you have some hybrid flowers (even a small amount) and you put them all in one specific area, then billions of peacock (pea-c o c k, lol it censored me) butterflies will spawn which you can passively catch throughout the day, they net you 2.5k each so they're not terrible moneymakers, but not as good as tarantulas of course. another good way would be to sell things you find from balloons or in shops on tbt, even if the item's value isn't much in the store itself, people will be willing to pay good amounts if they're after it or if it's cute. additionally, if you ever get celeste, a really good turnip price or something else that makes your town worth visiting you can charge up to 99k/a nook ticket per visit and people will still flock to you.
speaking of nmt, you can also earn those and sell them. pretty self explanatory

personally though, I still think turnips are the best. you don't have to be "good" at the stalk market to rake in loads of money with them. throughout the week you will see hundreds of posts ranging between 300-600 per turnip at their nook's. just browse The Airport subforum before the next sunday after buying them and I guarantee you can make millions. so much so that it's pretty much risk-free to invest your entire bank account balance into turnips
 
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Craft. DIY is the key. I’m close to fully upgrading my house and paid for all my island developments just by crafting. Granted I did farm A LOT of resources from all the 65 island tours I went to in obtaining my villagers. I made a lot of furniture and sold them for bells. I make even more if it’s a hot item. That’s my main source of income. But you gotta put in a lot of effort. It takes time since crafting isn’t by batch.
 
I've been making a lot of bells from bugs attracted to my field of flowers and hybrids. But the tarantula island is the new tortimer's island. We have Flick and CJ now for more money making opportunities, but you'll have to grind a lot if you avoid the legit Ts.
 
Flip your towns native fruit on a foreign island.
You can harvest all of it from trees and sell it for 500 on another island, a 400 profit per fruit compared to your own island.
You can also buy your native fruit from Nook's Cranny for 400 bells, a 100 profit per fruit when sold on another island. This is repeatable, too, so you can literally buy, say 20,000 bells worth of fruit and sell it for 25,000 - then when you're on their island, you can buy their native fruit and sell it on your island for 100 profit each time. Yeah it's kinda time consuming but it means you can turn 100K into 150K (or more) in a town visit - definitely good when starting out :)
 
i made a bell making guide (link) a bit ago and it still works for me. i consider these to be lazy ways of making money, so if youre looking for big bucks quick this may not be it. if ur a patient person, if u save the bugs & fish from these methods for flick or cj respectively you'll gain more than what ull get at nook's cranny. a tip i forgot to put in there is that for fish i sell everything and dont let any go but for bugs, since u can see what ur catching i dont release anything because i only go after what will get me bells.

i found that bell trees are also a good way of making money. apparently a reddit user (link) found out that you can plant 10k bells on one day (so when fully grown will give 30k) and then 99k the next (when fully grown will give 297k). so you could get 297k bells every other day. ive been trying to do this since ive found out about it, but it's taking me a while. i messed up on my tracking of this so i've restarted for april.
basically what i have been doing with this is every day when i plant a bell tree i write the date i planted it, and the amount i planted. since i don't care if i've lost 3k bells, i plant 11k bells everyday. when the tree fully grows in four days later, i go back to where i wrote the date & how much ive planted and i write when i shook the tree, and how much i made from it. for example, if i made 33k bells on april 1st but only 30k on april 2nd then i know i should plant 99k bell trees on the odd days of april while i plant 10k bells on the even days. of course, this will change next month; i may have to plant 99k bells on even days and then 10k bells on odd days, but since im keeping a log i'll cross that bridge when i get there (not gonna lie, i literally bought a planner to track turnip prices & bell trees).

the only other ways i can think of gaining money is selling fruit, crafting basic things (like fruit items, weed items, maybe even softwood items (too much softwood)) and selling them for a bit of profit. i wouldnt do anything with the egg/easter event things now because u can eat ur eggs!! which will give u the food buff, which is good for when ur needing to move around trees since they stack up to 30 compared to fruit's stack of 10. u can also keep the eggs & extra recipes around for when the event is over because some people may not have gotten to play the event, so u can give it to them (or sell it). u could also try to get a lot of materials and sell them, but i dont think it'll sell for much for the amount of work you put in. and like others have said, selling nook miles tickets.
 
I sell foreign fruit that I grow on my island, hunt for rare bugs and fish (it is a bit of a grind but I enjoy it). I make decent amounts daily - not huge by any means but I was able to pay off 3 house loans so far (have expanded to 4 rooms) and funded 2 bridges (still paying off my 3rd). I have no interest in rushing things through. I play as much as I can daily. I also enjoy shopping for clothes ever since I unlocked Able Sisters and I'm personally more interested in unlocking more recipes that would let me craft cooler furniture.
I want to enjoy this game for years to come so instantly getting billions of bells immediately would kind of ruin this experience for me.
 
I fish and catch bugs and sell them. It adds up over time.
Make sure you find the money rock each day.
Check out the hot buy at Nook's. If you have plenty of resources, it's an easy way to make bells. The kettlebell was over 7000 bells.
I'm getting duplicate fossils now and those sell for a nice amount.
Yellow balloons usually have bells in them.
Plant 10,000 bells in the money tree spot. You should get 30,000 bells, for a profit of 20,000. This may not work every time, but it works enough to still make it profitable.
Consider doing a bit of research on turnip trading and trying it. You don't have to invest a lot of money in it while you're learning. Or ever.

These aren't fast ways, but they're easy, don't require any kind of trading online, and the bells do add up quickly.
 
My main method of bell-farming so far (besides Tarantula farming, which has worked the best for me) is fishing off the pier using bait. It's not as fast as the methods in New Leaf but I think it works decently well.
 
I have a ton of hybrid flowers, but peacock butterflies aren't spawning..
 
Plant like 200 trees of foreign fruits (it will take time) in one area of your map. 200 x 3 (fruits per tree) = 600 fruits x 500 bells = 300,000 bells and of course you can plant more trees if you'd like to it was just an example ;)

I did the above and it takes about 23 minutes to collect these 600 fruits so not too bad getting 300,000 bells every 3 days (I think that's how long fruits respawn)
 
I have a ton of hybrid flowers, but pea**** butterflies aren't spawning..
those butterflies spawn in the presence of blue, black, or purple flowers. none of the other hybrids allow it to spawn. if u have a ton of white flowers u can also get orchid mantis which sell for like 2,400 bells.
 
I have a long row of blue windflowers and the peacok butterflies can’t stay away. I can make 50k in a morning easily while running around doing my morning chores (rocks, shaking trees for bees and furniture, etc).
 
Plant like 200 trees of foreign fruits (it will take time) in one area of your map. 200 x 3 (fruits per tree) = 600 fruits x 500 bells = 300,000 bells and of course you can plant more trees if you'd like to it was just an example ;)

I did the above and it takes about 23 minutes to collect these 600 fruits so not too bad getting 300,000 bells every 3 days (I think that's how long fruits respawn)

Whoa! That's a lot of trees! LOL I have a grove of fruit trees and never sell the fruit. Time to get shaking!
 
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