There are lots of ways to earn money in Animal Crossing: City Folk. I will tell you some of the most effective ways to earn tons of bells!
1. Bunny Day
Bunny Day is Easter. The date changes every year, so all you have to do is look at your calendar. Bunny day is a great way to earn money. On Bunny Day, a person dressed in a bunny suit comes to your town and dances in front of Town Hall, which I find really weird. And on that day you will also be seeing more stars in the ground than usual. So take out your shovel, make sure you have empty pockets and start digging! You will find loads of Bunny Eggs. When your pockets are full of eggs, crack all of them open. There will be 2 types of things inside: candy or Bunny Foils. Keep everything. Go back to your house and stash all you candy in a closet, and then go talk to the Bunny in front of Town Hall(it's name is Zipper). After you talk to Zipper once, he will start taking your Bunny Foils and exchanging them with Egg Furniture, which is also pretty random. But one you give him all your foils and sell them to Nook... you will have loads of money! I did this for 40 minutes and I got 120,000 bells!
2. Festivale
Festivale is on February 23. There will be this really ugly peacock thing in front of your Town Hall called Pave or something like that. So you talk to her and then she will ask you for candy that is either red, yellow, green or blue. But you have to bring her 3 pieces of that candy. So if you stocked up on candy you can just go to your house and give her the candy, but if you don't have enough, just talk to some of your fellow villagers and they'll play a game with you! And if you win you get a piece of candy! Yay! So when you have enough candy go talk to pave and she will take your candy and give you a piece of "Pave Furniture". How weird is that?! Go sell it to Tom Nook and he will take one piece of furniture for like 12,000 bells! i did this for an hour and got 100,000 bells.
3. Halloween
You people should now that Halloween is on October 31. So if you stocked up on candy on Bunny Day, then this should be really easy for you to make money. On Halloween there are 2 ways to earn lots of money:
a) Fill your pockets with fruit and look for the people that are dressed up with pumpkin heads that ARE chasing you. When they ask you for candy, say that you are not going to give it to them and they will get angry. They will take one of your fruit and put a jack in the box or a pumpkin head or some kind of shirt in the place of the fruit. Luckily, if you have a lot of jack in the boxes, each of them sells for 2,000 bells or something.
b) Keep some cherries in your pockets(just in case you bump into one of the people that are dressed up with pumpkin heads that ARE chasing you)and put some candy in your letters/mail. Look for the person that is dressed up with pumpkin heads that IS NOT chasing you. Before you talk to him take out a piece of candy from your pockets then talk to him. He will give you a piece of "Scary Furniture" or something like that and sell it to Nook. 10,000 bells!
4. Harvest Festival
The Harvest Festival takes place on November 26. Around 3 o'clock, talk to the mayor in front of the Town Hall. he will tell you to take a fork and knife to one of the villagers. It actually doesn't matter who you give it to, so just give it to anybody. After you give it to one of the villagers, he or she will say that there is a person lurking around a place. This place could be anywhere. Talk to the mayor again and take another fork and knife. Bring it to the mysterious person and he will give you furniture. Every time you give him furniture he will change locations. Keep on doing this over and over. Each furniture is worth about 4,000 bells. I did this for 1 hour and got 40,000 bells.
5. Christmas Eve
Christmas Eve is on December 24(duh). Go on at about 8 o'clock pm and make sure you have a bunch of clothes and accessories(but it would be easier to just use designs), but still leave 5 spaces in your pockets. look around town for a Reindeer dressed up in a Santa Costume named Jingle. Talk to him and answer his questions, then he will give you a present. Depending on how you answered his questions the presents will be different. After that, walk into anyone's house(all the houses are open) and change into different clothes. Go back outside and talk to Jingle again, and he will say that you looked familiar, but he will still give you a present. Keep on doing this over and over. Some people say you can only do it 3 times but I did it 14 times, and each piece of furniture is worth about 12,000 bells, so I got 168,000 bells(in 1 hour)!
Those are some of the ways to earn loads of money, but on normal days you can do other things.
1. Fishing
Here is the list of fish and their prices.
Anglefish: 3,000 Bells
Araucanian: 10,000 Bells
Arowana: 10,000 Bells
Barbel Steed: 200 Bells
Barred Knifejaw: 5,000 Bells
Bitterling: 900 Bells
Black Bass: 300 Bells
Blue Marlin: 10,000 Bells
Bluegill: 120 Bells
Butterflyfish: 1,000 Bells
Carp: 300 Bells
Catfish: 800 Bells
Char: 3,800 Bells
Cherry Salmon: 1,000 Bells
Clownfish: 650 Bells
Coelacanth: 15,000 Bells
Crawfish: 250 Bells
Crucian Carp: 120 Bells
Dab: 300 Bells
Dace: 200 Bells
Dorado: 15,000 Bells
Eel: 2,000 Bells
Football Fish: 2,500 Bells
Freshwater Goby: 300 Bells
Frog: 120 Bells
Gar: 6,000 Bells
Giant Snakehead: 5,500 Bells
Goldfish: 1,300 Bells
Guppy: 1,300 Bells
Hammerhead Shark: 8,000 Bells
Horse Mackerel: 150 Bells
Jellyfish: 100 Bells
Killifish: 300 Bells
King Salmon: 1,800 Bells
Koi: 2,000 Bells
Loach: 300 Bells
Lobster: 2,500 Bells
Moray Eel: 2,000 Bells
Napoleonfish: 10,000 Bells
Neon Tetra: 500 Bells
Octopus: 500 Bells
Olive Flounder: 800 Bells
Pale Chub: 200 Bells
Pike: 1,800 Bells
Piranha: 2,500 Bells
Pond Smelt: 300 Bells
Popeyed Goldfish: 1,300 Bells
Puffer Fish: 240 Bells
Rainbow Trout: 800 Bells
Ray: 3,000 Bells
Red Snapper: 3,000 Bells
Salmon: 700 Bells
Sea Bass: 160 Bells
Sea Butterfly: 1,000 Bells
Sea Horse: 1,100 Bells
Sea Sunfish: 4,000 Bells
Shark: 15,000 Bells
Squid: 400 Bells
Stringfish: 15,000 Bells
Surgeonfish: 1,000 Bells
Sweetfish: 900 Bells
Tuna: 7,000 Bells
Yellow Perch: 240 Bells
Zebra Turkeyfish: 400 Bells
2. Bugs
Here is a list of bugs and their prices.
Mantis: 430 Bells
Orchid Mantis: 2,400 Bells
Ladybug: 200 Bells
Centipede: 300 Bells
Common Butterfly: 90 Bells
Yellow Butterfly: 90 Bells
Monarch: 140 Bells
Honeybee: 100 Bells
Tiger Butterfly: 160 Bells
Peacock Butterfly: 220 Bells
Brown Cicada: 200 Bells
Longhorn Beetle: 260 Bells
Robust Cicada: 300 Bells
Bagworm: 300 Bells
Walker Cicada: 400 Bells
Evening Cicada: 550 Bells
Dynastid Beetle: 1,350 Bells
Lantern Fly: 1,800 Bells
Violin Beetle: 260 Bells
Fruit Beetle: 100 Bells
Bee: 4,500 Bells
Spider: 300 Bells
Long Locust: 200 Bells
Migratory Locust: 600 Bells
Cricket: 130 Bells
Grasshopper: 160 Bells
Bell Cricket: 430 Bells
Moth: 60 Bells
Red Dragonfly: 80 Bells
Mosquito: 130 Bells
Darnier Dragonfly: 200 Bells
Ant: 80 Bells
Pill Bug: 250 Bells
Pondskater: 130 Bells
Diving Beetle: 800 Bells
Firefly: 300 Bells
Fly: 60 Bells
Snail: 250 Bells
Agrias Butterfly: 3,000 Bells
Raga Brooke: 2,500 Bells
Birdwing: 3,000 Bells
Emperor: 2,500 Bells
Mole Cricket: 280 Bells
Dung Beetle: 600 Bells
Flea: 70 Bells
Banded Dragonfly: 4,500 Bells
Giant Petaltail: 8,000 Bells
Scorpion: 8,000 Bells
Tarantula: 8,000 Bells
Walking Leaf: 600 Bells
Walkingstick: 600 Bells
Rainbow Stag: 10,000 Bells
Oak Silk Moth: 1,200 Bells
Cyclommatus: 8,000 Bells
Golden Stag: 12,000 Bells
Scarab Beetle: 6,000 Bells
Jewel Beetle: 2,400 Bells
Giant Beetle: 10,000 Bells
Miyama Stag: 1,000 Bells
Saw Stag Beetle: 2,000 Bells
Elephant Beetle: 8,000 Bells
Hercules Beetle: 12,000 Bells
Goliath Beetle: 6,000 Bells
Atlas Beetle: 8,000 Bells
3. Fossils
here is a list of fossils and their prices. I would suggest you donate them to the museum, but you can sell them. Just click on Check a fossil when you talk to Blathers.
Amber - 1,200 Bells
Ammonite - 1,100 Bells
Coprolite - 1,100 Bells
Dinosaur Track - 1,000 Bells
Archaeopteryx - 1,300 Bells
Pecking Man - 1,100 Bells
Fern Fossil - 1,000 Bells
Dinosaur Egg - 1,400 Bells
Shark Tooth - 1,000 Bells
Trilobite - 1,300 Bells
T.Rex Tail - 5,000 Bells
T.Rex Torso - 5,500 Bells
T.Rex Skull - 6,000 Bells
Tricera Tail - 4,500 Bells
Tricera Torso - 5,000 Bells
Tricera Skull - 5,500 Bells
Mammoth Torso - 2,500 Bells
Mammoth Skull - 3,000 Bells
Ankylo Tail - 2,500 Bells
Ankylo Torso - 3,000 Bells
Ankylo Skull - 3,500 Bells
Apato Tail - 4,000 Bells
Apato Torso - 4,500 Bells
Apato Skull - 5,000 Bells
Dimetrodon Tail - 4,500 Bells
Dimetrodon Torso - 5,000 Bells
Dimetrodon Skull - 5,500 Bells
Iguanodon Tail - 3,000 Bells
Iguanodon Torso - 3,500 Bells
Iguanodon Skull - 4,000 Bells
Sabertooth Torso - 2,000 Bells
Sabertooth Skull - 2,500 Bells
Pachy Tail - 3,000 Bells
Pachy Torso - 3,500 Bells
Pachy Skull - 4,000 Bells
Parasaur Tail - 2,500 Bells
Parasaur Torso - 3,000 Bells
Parasaur Skull - 3,500 Bells
Seismo Tail - 4,500 Bells
Seismo Hip - 4,000 Bells
Seismo Chest - 4,500 Bells
Seismo Skull - 5,000 Bells
Plesio Torso - 4,500 Bells
Plesio Neck - 4,500 Bells
Plesio Skull - 4,500 Bells
Stego Tail - 4,000 Bells
Stego Torso - 4,500 Bells
Stego Skull - 5,000 Bells
Ptera Right Wing - 4,500 Bells
Ptera Left Wing - 4,500 Bells
Ptera Skull - 4,000 Bells
Icthyo Torso - 2,000 Bells
Icthyo Skull - 2,500 Bells
Rapter Torso - 2,500 Bells
Rapter Skull - 3,000 Bells
Styraco Tail - 2,500 Bells
Styraco Torso - 3,000 Bells
Styraco Skull - 3,500 Bells
4. Fruits
There are 6 kinds of fruit:
Apples- send a letter to one of your town people with the word Fruit in it or go to your friend's town via Wifi and take one of their fruits.
Oranges- send a letter to one of your town people with the word Fruit in it or go to your friend's town via Wifi and take one of their fruits.
Cherries- send a letter to one of your town people with the word Fruit in it or go to your friend's town via Wifi and take one of their fruits.
Coconuts- Find them washed up on he shore. To plant them you need to plant them on the grass just above the beach.
Peaches- send a letter to one of your town people with the word Fruit in it or go to your friend's town via Wifi and take one of their fruits.
Pears- send a letter to one of your town people with the word Fruit in it or go to your friend's town via Wifi and take one of their fruits.
All your native town fruit (the fruit that you get when you start the game) is worth 100 bells. All the other fruits are worth 500 bells each.
I hope this moneymaking guide helped!
