Fruit Method
Understand the two terms used in defining the fruits. Native fruits are the fruit you first receive when arriving to your town. These would be either an orange, apple, pear, peach or cherry. Foreign fruits are the other fruits that did not appear in your original town, plus a coconut which washes up ashore on your beach randomly. For example, if your Native Fruit was a peach, your Foreign Fruits would be the orange, apple, pear, cherry and the coconut. You get Foreign fruits either from a visitor from another town which owns that fruit or an attachment to a rare letter from your Mom. You could also write a letter that says," How are you?" to a neighbor with your native fruit as a present. They will either send you a Foreign Fruit or a rare outfit. Foreign fruits generally are more valuable than Native fruits, and can be sold for a higher price. If you have a few friends who also own a DS and an Animal Crossing: Wild World game cartilage, connect with each other by DS to DS or Nintendo WiFi and swap a few fruits from your trees to some from your friend's. Plant them around your town, and eventually they should grow fruits. If in doubt that your tree won't survive or bloom fruits, use an Axe from Tom Nook's to chop down an existing tree that doesn't bare any fruit, dig out the stump, and replace the old tree by planting the other fruit in the exact spot, it will definitely grow.
Then, once the trees have grown their foreign fruits, you sell them to Tom Nook's for 500 bells. You are selling them for 5 times the price of a native fruit (100 bells. So, if you sold 2 foreign fruits, you would receive 1,000 bells while if you sold 2 native fruits, you would earn only 200 bells.
Continue to use the last step. Fruits will regrow every 3 or so days, so there is no need to plant more foreign fruits unless you want a larger supply.
Other Simple Methods
Hit a rock with a shovel (or alternatively an axe) you bought from Tom Nook's shop. Weirdly enough, one rock out of your many rocks scattered around your town will store money. It's as simple as hitting a rock a few times, but the question is how well you can do it. Well, what people don't know is that you actually only have 10 seconds to get out as many bell bags from the rock as possible. To achieve more bell bags flying out of the rock, you need to keep yourself to the rock, because every time you hit the rock the pressure bounces you back. If you "bounce/fall back" you will waste time that could be used getting bells, which reduces the number of bells you make. This can be fixed by digging three holes in a straight row behind your character while it is right against the rock, stopping your character from falling back so you have more time to hit. Only one rock per character per day holds money, and if you are quick enough, you can make up to 8,000 bells per character per rock, or 32,000 bells if all 4 of your characters do it perfectly.
Use Money Trees. They do exist in the Wild World. If you are lucky enough to have earned a golden shovel, you may be able to earn a few bells. Firstly, with your axe, cut down a tree and dig out the stump. Replace it with a bell bag. If you are lucky, in a few days it will grow into a tree bearing bells. If you succeed, there will be 3 bell bags hanging on the tree. Shake the tree to retrieve them. Each bell bag will be worth the price that you 'planted' in the first place divided by three, so altogether you will re-earn the bells, but note the bells won't regrow! But, like most methods of bell earning in this game, this can be risky and may not work. View some more articles on how to do this for more depth.
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