I wanted to share a few of my favorite tips for making money in Animal Crossing: New Leaf. None of these are super groundbreaking, but they might be helpful for new players.
When you first start out, you won’t have access to the island until you pay your home loan. Pick every fruit and pickup every seashell you can find. Buy whichever tool is available and fish or catch bugs until you have access to the island.
Once the island is open, concentrate on the beetles that are available during the night. After 6 PM is a good time to start. You’ll quickly pick up on which get you the most bells.
You’ll also want to take advantage of the turnips that Joan sells every Sunday, as they allow you to make money at a pretty exponential rate. The best way to get a good selling price is ping your friends, or even strangers on Twitter. (#ACNL, y’all!) If you’ve got a wide enough network of friends, you’ll usually be able to get a selling price between 350-600 bells per turnip.
Perfect fruit is another good way to make money. Remember that each perfect fruit tree will die after the third round of fruit and replant accordingly. DON’T sell the perfect fruit in your own town – visit someone with a different native fruit.