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I found a good way to earn bells:
1. Plant lots of fruit treees, especially foreign fruit trees. Native fruits are worth 100 bells, while foreign fruits are worth 500 bells a piece. Pick a lot of them every 3 days (They restock 3 days after picking them) and sell them all to Nook.
2. Get a free Mii mask from Shampoodle and shake trees. You may find money and some occasional furniture. You might even find bees, which you can't outrun, unless you run into a building or catch them. If they sting you, that's what the Mii mask is for!
3. Do all the mini-tasks the neighbors give you, in return for some furniture.
4. Shovel rocks all the time. Sometimes, you can find the daily money rock, which gives off money every time you shovel it. Always dig a few holes behind yourself so you don't get too far pushed back from it; a timer starts as soon as you firsy shovel it. Shovel it about 5 times, bags of 1,000+ will fall out!
5. Fish! Fishing was the main thing to helping me pay off my fisrt mortgage on my first day. Have good timing, and don't let the big ones get away!
6. Always dig for stuff. You can find fossils and gyroids, which are worth alot of bells to Nook. Sometimes, you find the occasional pitfall seed. Have common sense and show fossils to Blathers to make them worth alot.
7. Sell furniture and clothes you don't need.
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