the fair way
fish on the beach at night in the summer and you can catach loads of really rare and pricy fish, also if you see a really big looking shadow in the rivers its probly a rare fish like a dorodo, I've caught three or four already also while fishing pay attention to the trees along the beach line aspecaly if there palm trees you can get rare bugs and there also pricy, fossils help when there identified by Blathers, and whoring the friut in your twon all at once can help in a pintch. also get the silver shovel and memorize the rocks in your town if your backed up aganst a hole or a wall you can get up to 8000 with a normal or golden shovel, and the silver shovel doubles the value of a strike or two randomly, get the silver shovel from the city after the stores close head all the way to the right along the street sometimes resiti's hub is open. sell event funiture like the egg, harvest, spooky, jingle, pirate, or other rare furniture for lots and lots of bells. you can fill your town with forign fruit or bring your fruit to a town that it isn't native too
the cheat ways
start your town a year back and put about ten thousend bells in the account, save and move your twon a year foword, you should get 100,000 bells.
use the home brew channal to modify your game....if your a cheater like that
best spendings
paying off your house is always the first on my list, donating to town hall can get you a new bridge, a fountain, and a lighthouse or windmill.
save your bell and get prizes from the bank if you save that maxamum amout you get am ABD mechene for your house
spend spend spend! save up points at nook by ordering expencive items and you can dress yourself as Link, Minda, Samus,or Wario or get some classy items like a yoshi egg or triple shells
refined spending, spend on a compleate set at gracies and get major poins with the HRA as well as geting lucky items like the triforce from red, or the three types of lucky cat