1. Get your golden shovel and hit all the rocks in your town one of them will contain money when you keep on hitting it. Every day there will be one rock and when you hit the rock you bounce back so loose your chance of getting 8000 bells. So dig a hole behind you and on the side (why the side? well when you go back and your blocked by the hole you bounce to the one side.)
2. (warning this will make lots of weeds) Switch your date on your ds before you start to January 1st (any year) and you will get 10, 000 bells from your mum. Keep on doing that (on different years) to get 99. 999 bells.
3. sell all your holiday furniture (you can get them again the next year)
