You wanna learn how to make bells easy and quick? You've come to the right place, then. This guide contains information that's very useful for people without Action Replay.

Making Bells
Having a large fortune at your disposal opens up avenues that the new player
coming into town in debt could barely dream of. You'll be able to pay off your
house upgrades. You'll be able to buy virtually any item you want at Tom
Nook's Shop and at the Able Sisters'. You'll be able to engage in trades for
high price items on Wi-Fi. And you'll finally be able to buy a lot of turnips,
which have the potential to increase your fortune exponentially.

The first part of this section deals with basic money-making techniques that
the average player can engage in. The second part deals with the "Stalk
Market". Trading turnips is an activity that requires a good deal of bells to
get started, although it is undoubtedly the money-making method that will net
you the most profit.

Basic Techniques
Here are some basic money-making ventures that will help you build your
fortune. For the most part, these methods do not include using Wi-Fi or DS-to-
DS gameplay. Information on the turnip trade is in the following section.

Fishing
Fishing is one of the easiest and, in my opinion, one of the best ways to make
money in the game. All it requires is a Fishing Rod from Tom Nook's Shop and a
little patience. Most
players prefer to fish for profit in the river because there is a greater
variety of valuable fish there and also because there aren't any sea bass,
which in the ocean are often confused for large, rare fish when they are in
reality quite worthless if sold.

When you catch a fish you can either sell it, donate it to the Museum, or keep
it in your house as a pet. Early in the game I would suggest taking all of
your catches to the Museum (if you value a full Museum) rather than Nook's, and
then taking fish you have caught that have already been donated to Nook's.
Feel free to do as you see fit depending on if you value a full Museum or
getting another house upgrade more.

You will notice availability and peak times for every variety of fish. Fishing is a seasonal activity, as valuable fish tend to appear only in certain
times of the year. If it is raining or snowing in your town, make sure to
fish. The rain tends to coax out more valuable fish, including the Coelcanth.

All in all, fishing is very easy, requires a minimal cash investment, and
yields an almost immediate return. It is highly advisable to fish until you
can afford to invest in the Stalk Market and use other techniques, and to keep
fishing when the opportunity strikes then.

Insect Hunting
Catching insects is another common method to make money. All you will need is
a Net, which may be obtained via Tom Nook's Shop. I find insect hunting a much
more tedious task than fishing.  Bugs will appear in more places, are more
easily scared away, and can actually fight back (bees, mosquitoes, scorpions,
etc.).  However, it can still be profitable if you are a good hunter.

Bugs are available only in certain times of the day and in certain times of the
year. Some will not be available when it is running, while others will become
more prevelant (eg. snail). Furthermore, some won't be available while your
gates are open. Pick and choose your bug hunting times carefully.

To sum up bug catching: it's often not as easy as fishing, but you would do
well to practice both activites early in the game if you have the available
tools with which to do so.

Finding Fossils
Although only three fossils will generate in your town daily (if you
consistently find all of them on a daily basis), they are valuable items.  When
you dig up a fossil, as shown by a star-shaped indentation in the ground, you
must take it to Blathers for identification. You may sell or donate the fossil
once it has been identified.

There are two types of fossils: normal (stand alone) fossils and lovely
(skeleton piece) fossils. Lovely fossils sell for a higher price, and among
lovely fossils, skull fossils will sell for the highest price. Whether you
sell, donate, or keep the fossil in your house will largely depend on what the
fossil is and what you value. If you value your Museum, you should donate the
first fossils of any type you find, but if the fossil is especially valuable
you may wish to sell it for some quick bells.
There is a way to abuse the identification process to make sure you receive the
kind of identified fossil you receive. The type of fossil the unidentified
fossil will be is only determined when the fossil is given to Blathers. This
means that if you have some unidentified fossils with you and save the game
before talking to Blathers, you can keep having him identify the fossils and
you will receive a different fossil everytime. If you don't receive the fossil
you want, you can simply reset if you are willing to deal with Resetti.

Overall, selling fossils is a good method to make cash, but it is more suited
to players that have just begun the game. They will fetch the bells players
need to attain the first few house upgrades, but after that selling fossils is
less profitable than other methods and players tend to focus more on the Museum
by that point, making donating fossils a better option.

Gyroids
You may also find gyroids when digging for fossils. Each one will sell for 828
bells. Gyroids are not very useful items-- all they do is make noise when
placed in your house. Sell them all for some quick bells, especially if you
are early in the game.

The Bell Rock
Each day, one rock in your town will shoot out a bell bag if you hit it with
your shovel. The "Bell Rock" (or "Red Rock" in the original Animal Crossing)
will change daily.

The number of hits you can get depends on both your timing and how you have
positioned your character. Regularly you will be pushed slightly backward each
time you hit the rock. If you dig holes around your character in such a way
that you will be pushed back into the holes rather than back away from the
rock, you can get more hits in and more bells out of the rock. Try to position
yourself in such a way that you are wedged between two holes to prevent recoil
and the loss of valuable time. Alternatively, you can brace yourself against a
wall without any holes if the rock in question is just one free space away from
a wall.
If your timing was perfect and you have braced yourself correctly you can
attain seven bell bags or possibly an eight bell bag, bringing the number of
bells you could get to a whopping 16,500.  If you do manage to smack the eighth
money bag out, it will land where you are standing, interestingly enough.

Although timing and preventing recoil are the two most important factors, the
yellow feng shui score of your house may be a factor in getting the elusive
eighth bell bag.
Using the Bell Rock to make money is a very good idea. It can be done daily
and with multiple characters, although it could potentially be time consuming.
Regardless, I believe a little time investment would be a small price to pay
for 16,500 bells.

Present Balloons
Balloons carrying valuable presents will float across the sky daily from 10am
to 4pm. However, they will only appear when the time's minute is at a 4 (at
12:34, 3:04, etc.).
Hit these down with your Slingshot, then find the item at the north end of your
town. The present will often be a valuable furniture item that you can sell.
Present balloons are a good casual method of making money. There's nothing to lose.

-Staff Post (8/31/2009 2:59:45 AM)

The Recycle Bin/Lost and Found
The recycling bin is located on the right-hand side of the Town Hall. Items
that appear in the recycle bin are yours to keep (and to sell). You will often
find more items closer to the emptying times of 6:00am on Mondays and
Thursdays. If you help a villager complete his/her hobby by giving him/her a
desired item, it may displace another item to the bin.

You may also access the lost and found by asking Booker, "Something lost?"
Check the lost and found daily as it fills up with items and claim them all for
yourself.  You may keep or sell any item you find in this manner.

Checking these two locations daily is very easy and will occasionally yield
surprisingly good results. You don't need any tools or any money to raid these
places, nor do you need much time either.

Selling Seashells
Seashells consistantly appear on the shore of the ocean. They may not be worth
much, but every little bit helps. The rarest shell is the Pearl Oyster,
selling at 1,200 bells a pop.
Selling seashells will not yield very much money, although it can be profitable
if other techniques are exhausted while you are paying off the first couple
house upgrades, for example. Other methods are preferable, but it's always a
good idea to comb the beach once, maybe while fishing, to see if any Pearl
Oysters have washed up.

Shaking Trees
Assuming that your town has an average number of trees, approximately 10-12 of
the non-fruit variety will hold items in their branches. Two randomly selected
trees will drop furniture items if they are shaken. If one of three other
random trees is shaken, a bee hive will drop to the ground.  Bees will swarm
out of the hive in pursuit of you. Bees are worth 4,500 bells each, so make
sure to make an honest effort at catching one rather than just seeking shelter
or letting them sting you. The remaining non-fruit trees may drop a bag of 100
bells each.

Shaking trees is a very good idea, especially if you are prepared to net a bee
when the opportunity arises. This technique also works well if used in tandem
with the foreign fruit method as you go around the whole town harvesting fruit
trees. That way you will not miss a tree and a potentially rare furniture item
or valuable bee.

Foreign Fruit
There are five main types of fruit in the game: cherries, peaches, pears,
oranges, and apples.  Coconuts can count as another, but they are somewhat
different than the main group.  Each town has a designated native fruit.  This
is the only fruit of the first five (never coconuts) that will appear in your
town right at the beginning of the game. All other types of fruit, called
foreign fruit, must be acquired. Native fruit sells for 100 bells a piece at
Nook's Shop, while foreign fruit goes for 500 bells a pop. Note that coconuts
will always sell for 500 bells.

The problem lies in obtaining foreign fruit, which can be tricky.  On occasion,
coconuts will settle on the shore of the town beach. Normal fruit may be obtained most easily using Wi-Fi or DS to DS
communication, but because these options aren't available to some players,
there is another way.
This is an easy way to obtain foreign fruit and begin your orchard.  After you
have obtained every type of fruit and planted trees of each type, harvest the
fruit of these trees and plant more trees until you are satisfied with the
number of trees (and the amount of foreign fruit) in your town. You may wish
to chop down existing trees of the non-fruit variety and plant fruit trees in
their place.

Once your foreign fruit orchard has matured and is producing fruit, go around
picking all of the trees. Assuming that your inventory is empty, you could
receive 7,500 bells for each trip you make to Nook's Shop. If you use Wi-Fi or
DS to DS communication to visit other towns, travel to another town with a full
inventory of foreign fruit to sell in the other town. Then fill your pockets
with the fruit of the other town and travel back to your town and sell that
fruit to your own Tom Nook's for more money.

Growing foreign fruit is, in my opinion, one of the the (if not the best)
method(s) of making money in the game. It does require a lot of time to
accumulate and plant the foreign fruit, and there is some risk involved because
not all trees you plant will grow, but after your orchard is established it is
one of the most dependable sources of near-instant cash. It will still take
some time to pick and harvest all of the fruit your trees will produce, but the
payoff is tremendous.

Money Trees
Money
trees can be tedious and are a very risky operation, although their potential
pay-off is attractive to those with little money. Since growing money trees
successfully requires both a Golden Shovel and a hefty sum of money (a 30,000
bell bag for the highest successful growth rate), growing them requires some
work.

The real reason that growing money trees is unadvisable is because the chance
of failure is so high.  For every 1,000 bells you "plant", there is a 1 percent
chance that the tree will grow.  Therefore, a planted bag of 30,000 bells has
only a 30% chance of growing. If it does grow, however, it will yield three
bags of 30,000 bells for a total of 90,000 bells, or triple the highest
possible investment you could have made. Perhaps growing money trees would be
a better investment if bags of 30,000 bells continually reappeared and could be
harvested, but they do not. A money tree will only bear its "fruit" once.

With all of this taken into account, I would suggest sticking to the foreign
fruit bracket rather than foraging into the high-stakes world of money tree-
harvesting.

Favors for Neighbors
Simply doing favors for your neighbors will make you a small amount of money.
Each neighbor has (or will have) a hobby that will determine what kind of
contests they will confront you with and, to some extent, what favors they will
ask you to do.
Doing tasks for your villagers doesn't require a lot of thought or a lot of
time, but you won't get very much money at all. Therefore, I suggest you do
favors only if your other money-making avenues are exhausted. The amount of
bells you will make for each favor will increase with your yellow feng shui
score, but the gains are far from substantial even then.

Mailing Letters
Mailing letters is a quick and easy way to receive items from your villagers.
The great part about this technique is that you can dictate which type of item
you wish to receive in return.
Mailing letters is a great strategy to use in conjunction with another
strategy.  For example, you must mail out letters to receive a lot of foreign
fruit for the foreign fruit method.  Sending out letters will also improve your
friendship with the letter recipients, which has its own benefits when Flea
Market comes around and for obtaining rare pics from your villagers.  Because
all you need is some stationery and whatever junk you wish to attach with your
letters, this method also comes with little cash investment, meaning that it is
a great method for new players as well as players that have established their
fortunes already.

WOW! I'm requesting a sticky for this!

I'm finished but, I can't edit my notice now...

really?!? money trees really work!?!?

I can only get 4,500 bells out of the rock how do you plant them which formation do you plant them in without the money bags going in????? x

X= Wear you stand.   O= The Holes You Dig.   #= The Rock.  S= Spaces.

SSSO
S#XO
SSSO

You are still able to move sideways-back in that formation. I dig three holes around me like this:

O
XO
O

YOu don't get as much money but you are secure and can't move.

This is how I do it:

Y= You
R= Rock
O= Hole
G= Available ground

GGOG
GRYO
GGGG

Why do I not see 'The Flea Market'?
Anyways, nice guide. I payed off my 600,000 Bell mortgage in a day because I followed this guide.
EDIT: Is the correct placement of holes for the Bellrock like this?
O- hole
G-ground
R- rock
Y- YOU!

GGGO
GRYO
GGGO

It works better like this:

O- hole
G-ground
R- rock
Y- you

GGOG
GGYO
GRGG
GGGG

Thanks

Sorry, I forgot the flea market.

Thank you so much! this has really helped me withmy tricky mortgage of just under 1,000,000 Bells - eek!

its bean stickied yay

after u finish working for tom nook u need 2,610,400 bells to get the fully upgraded house

Yeah, which is quite alot. Ooh, I just noticed I missed some stuff in the guide. Looks like I worked too fast, heh heh.

I agree- foreign fruit is -the- best way to get bells for the stalk market.

The easiest way to get some without wi-fi is just to let weeds build up in your town, then pick them until you get a few four-leaf clovers. Send those in a letter to some of your neighbors and you have an unusually high chance of getting a foreign fruit back... with the exception of the coconut. (Which is fine, as the coconut doesn't yield quite as many bells anyways).

You don't need tons of different types of foreign fruit- just one. Plant them EVERYWHERE, then plant a small orchard where there are tons of them. Empty out your inventory and run around shaking trees and grabbing them. Every full load of foreign fruit yields 7500 bells, which really adds up when you have 5-10 full loads going every 3 days.

Then when you finish up, go find that money rock!

G=Ground
H=Hole
P=Player
R=Rock

GHG
GPG
GRG

Just align yourself right- if you center yourself just right, you don't need any more holes than this.

Good luck!

I stand in front of the rock, dig a hole to the left of me [not the rock] and directly behind me, get's me the 8000 everytime.

ROCK
OMeG
G OG

G =Ground
O = hole obviosly hehe
This way keeps me in place.

YAY ITS STICKIED

good job on this!

here is how i do it:

#=rock
X=me
o=hole
*=ground


*O*
OXO
*#*
***

I always do the money rock (oops srry) bellrock like this

P= You
O= hole
R=rock
..= ground

    .. .. ..
    .. RPO
    .. ..O

It gets me 8,500 bells all the time, I'll try that 8th bell thing

Sometimes I'm not fast enough and I get 4,500 bells.