Your strategy for saving/spending bells

[Larimar]

I'm kinda curious what everyone elses' strategies for saving/spending bells in this game :O

I'm still doing something I adopted from New Leaf, I'd consistently make around 30k bells a day in NL just from doing my daily routine with little grinding. So every time I'd hit about 100k bells in my pocket, I'd either deposit 30k bells into my savings or pay off my house loan by 30k bells. For my public works projects I'd just pay it all in one big sum with my visits to the beetle island, and then put the leftover funds into savings. I'd always have about 70k bells in my pockets at all times

 

[Xara]

i have 99k bells in my pockets and the rest goes into the BAD - once i have more than my loan’s worth in my savings, i’ll pay off my loan and leave the leftover money in my savings - it’s been working for me well so far lol

 

[jiojiop]

Saving? Whats that?

My island always rains and has white flower fields, so I'm rolling in coels and bugs. I deposit when it's too much money to carry around but otherwise I spend as fast as I make!

 

[cats_toy]

What savings? When all you catch are sea bass and horse mackerel there isn’t enough to do much of anything, let alone a savings.

 

[ThomasNLD]

I`m rapidly paying off my house (400k left on the upstairs expansion), so my bank account is empty. I always keep maximum 30k in my pockets, the rest goes to the bank. I tend to say that I will be paying off the house slowly, but everytime I end up bughunting for way to many hours a night to pay it off quickly.

The idea is to do this quickly, so the then I can save up money for the bridges, ramps, town decoration, house plot moving etc. I think it will give me some rest knowing my house is paid off. I am a victim of modern life it seems.

 

[satine]

Ooh I have one!!!

I am really utilizing the stalk market this time around. I got lucky with one of my best friends who also plays ACNH and she had a 600+ price on our first week of playing!!! So I made a nice sum off of that.

Usually that doesn't happen though, and this is my strategy for when it doesn't and what I was doing before that happened. I still do it too now, since there's not going to be return of that sorta spike any time soon lol, but I still like to slowly build my profit up.

I like to rake in as many bells as I possibly can through some intense fishing and whatever else. By the time the first Sunday comes around, I'll spend 50% of that number on turnips.

Throughout the week, I'll watch the prices very closely. Luckily for people who used to do this in the past, the stalk market works pretty much the same way as it did in the previous titles. So I was able to detect the highest spike and made a nice chunk of a profit.

I took the amount that I had bought for, that original 50%, and immediately set it aside for more turnips in the future. And then I split the profit amount left over in half, and added half of it to my turnip budget and put the rest in savings. (Note -- this number this time around was MUCH higher for me than in previous games so it's gone a bit quicker, due to that initial turnip spike at my friend's island!) Rinse and repeat. Sometimes there's a loss, sometimes there's a profit. Most of the time this time around, there's been a profit.

It's really really slow. But it's something you can do simultaneously with fervently shaking down trees or fishing and bug catching. For some reason my town is ripe with sturgeons, so I've made nice money off of that as well in the meantime. I also like to look at the "hot item of the day" or whatever it's called and make them in bulk lol! All of that combined has really worked out for me.

 

[Romaki]

I don't save, I just spend. Usually half for the loan and half for things that need to be built or moved. I usually just fish and make a bunch of money off of that. Yesterday I could sell my native fruit furniture for 7000 bells, but the residential area was closed so I only managed to sell two. Still, 10 native fruits for 7000 bells is a pretty good deal. Those top sellers can be really good.

 

[JKDOS]

I've added 3 rooms onto my house by just fishing. Someone posted a couple days ago about getting tarantulas from the Nook Ticket islands, so I stopped fishing, and now I got 2 of my rooms just packed with Tarantulas, which I've heard can be sold at bug competitions for 12k each.