What do you need help on? Cancel X

Jump to:
Would you recommend this Guide? Yes No Hide
Send Skip Hide

Money Making Guide by Migitoneo3

Version: Final | Updated: 04/25/2009

Animal Crossing: City Folk Money Guide

Written by Ryan Rigney, owner of SlapStic.com, freelancer for Cinemablend.com

Contact me at rkrigney@gmail.com

Follow me at twitter.com/rkrigney


(Please stop sending me emails about the guide. I really appreciate the feedback
but I'm pretty much done with it. If you want to hang with me, I strongly urge
you to join Twitter and follow me!)


Hey everybody! I'm returning for my second guide to be published on this site, 
and it's actually not a whole lot different than the first one. Since Animal
Crossing for the Wii really didn't change a whole lot from the DS version, 
(which my first guide was written for) I've pretty much just updated that guide
to work with City Folk. 

As such, I'll need the community's help in crafting this guide. My email is
rkrigney@gmail.com, and I expect lots of feedback. If I missed something or 
simply have incorrect information down here, be sure to hit me with a message 
and let me know. I'll give credit to anyone and everyone that helps, so your
hard work won't go unrecognized.

You can also check out my website, SlapStic.com, which allows pretty much any
old hobo off the streets to get their humorous gaming articles out there
for thousands of my readers to check out. I also use it as my personal blog.
If you've got a funny bone, check that place out. 

Moving on to the topic of copyrights; look, I don't care what you do with
this guide, post it anywhere, just don't change my quotes.  For instance, you
could change the word "quotes" in that last sentence to "pants" and post it
somewhere and next thing you know I'm gettin all kinds of strange offers in
my e-mail account.  You get the idea.

No I'm not kidding, that's really what it is.  I'll contribute your um...
contributy thingy if it's good enough AND RELEVANT.

Okay... how's that for an introduction?  Now for what the title claims
this to be: the money guide.  Nah.  I'm just messin with you.  You're still
going to have to scroll through the contents and version history and my notes
and- scroll! Scroll like the wind!



(1) Version History
(2) Using Money for More Money
(3) Fossils
    (3.1) Fossils: Sell or Donate?
(4) Fishing
    (4.1) Thoughts on Fishing
(5) Fruit
    (5.1) Planting Strategy
    (5.2) Thoughts on Fruit
(6) Foraging For Funds
(7) Money Trees
    (7.1) Thoughts on Money Trees
(8) Online/Local Trading
    (8.1) Cheating Your Friends and Family for Fun and Profit
    (8.2) Local/Online Stalk Market
(9) Red Turnips
    (9.1) Thoughts on Red Turnips
(10) White Turnips
     (10.1) Investment Strategy
     (10.2) Thoughts on White Turnips
     (10.3) Notes on White Turnips
(11) Other Cash-Making Techniques
     (11.1) Interest
     (11.2) The Flea Market
     (11.3) Balloons
     (11.4) Animal Deliveries
     (11.5) Animal Hobbies
     (11.6) "Magical" Rocks
            (11.6.1) Rock Strategy
(12) Overall Best
(13) Overall Thoughts
(14) About Cheats/Glitches
(15) What're Supposedly Copyrights


(1) Version History

1.00 (10:30 PM Sunday, November 16, 2008)

This sucker is pretty well filled up. I got it all nice and organized, and I'm
about to submit it to GameFAQs. Wish me luck!

1.1 (2:08 PM Thursday, November 20, 2008)

Made a few key updates to the guide. I removed a section that sounded a bit over
the top (I was ranting about an email I had received.) I also added my policy on
cheats and glitches (hate 'em) and fixed a few things that made this guide sound
like the guide for the DS version. Oh, and I added a comprehensive chart to 
understanding "magic rocks." Enjoy, kiddos.


(2) Using Money for More Money

Before I begin rattling on about all the wonderful nonsense mentioned in
the contents, I have to make a few suggestions.  Before you can even begin to
buy things with all the wealth you will (hopefully) accumulate from following
this guide, you need to pay off your house to the point where you have a
usable second story.  Trust me, you're going to have white turnips coming out
your ears.  Very painful.  You'll need the space.  That and the purchase of a
dresser is all you need.  I say this because you WILL need the storage and you
WILL- no wait, there was only one reason.  Anyway, keep that in mind.


(3) Fossils

Only in AC would hundreds of dead critters show up on a daily basis in
your back yard.  Odd as it seems, three stars appear in your town every day.
These stars can be dug up using the shovel, revealing either a pitfall, gyroid,
or fossil, the latter of which is what this chapter is all about.  Fossils sell
for quite a lot of money usually, but you can't do anything with them until you
get them identified by the museum curator, Blathers, whom from what I can
gather, cannot move his legs.  Simply talk to him, select "check fossil" and
choose the fossil to be identified.  Blathers will faithfully begin studying the
fossil while making a series of disturbing grunts and gasps for breath.  After
this epileptic episode, he will ask whether or not you will donate the piece to
the museum.  He won't ask if that type of fossil has already been donated.

(3.1) Fossils:  Sell or Donate?

Here comes the eternal question, should you sell for the quick 2-5,000 bells,
or Donate in order to make your museum a better place?  I recommend using
fossils as a form of making cash only in the beginning of the game.  You'll
need the extra dough to pay that house off as soon as possible (for the first
few upgrades, anyway).  After that, rely on some of the following methods for
your income, while you soup up that museum.  If you don't care about your
museum, go ahead and sell.  No skin off your back.  Unless somebody you know
needs a transplant.


(4) Fishing

This is the best moneymaker that doesn't require an investment.  Save the
measely 500 for the fishing rod and you have an all new source of income.
Fishing is a very simple concept.  Stand facing a body of water and press A.
This casts your line.  You'll have a floatymajigger type thing that will dip
when a fish bites.  The most important thing to remember is that the fish has
to be facing the thingymajigger to see it and to possibly take the bait.  You
have to take into consideration the flow of water when casting towards a fish.
In case you haven't already figured it out, the fish is that fish-like shadow.
No der.  You also might want to let the line float a ways before pulling in so
as to give a chance for the fish to react.  When a fish nibbles on your line,
don't pull in (A) right away.  Wait until right after the floaty thingy goes
under and makes the sploosh noise before reeling.  Get some practice in, and
learn to time it right, and the fish is yours.  I tried eating them raw, but it
seems that someone at Nintendo has some common sense.  Sell the fish for quick
cash, donate it if it's a first timer, or keep it as a pet.  Practice, and
you'll perfect the technique in no time. 

(4.1) Thoughts on Fishing

This is the best quick cash method.  Once you get good at it, you'll be
haulin in squirming nuggets o gold faster than a Californian with magnet
gloves.  A full pack of fish can sometimes sell for 10,000.  It isn't the
fastest way to make money, but it is an unlimited supply source, and it doesn't
require but a 500 bell investment.  I highly recommend this technique until
you're rich enough to live off of the "stalk market," which we'll get into
later.  So go out and start endangering species, their pitiful lives are worth
tons! Of money!


(5) Fruit

This is, without a doubt, the biggest moneymaker in the game.  It is also
one of the most time consuming, as it may take weeks before your orchard is
complete.  There are 6 types of fruit: Apples, Oranges, Peaches, Cherries,
Pears and Coconuts.  These are planted by digging a hole anywhere and dropping
a fruit of any type in.  If you don't trample the sapling like some clumsy oaf,
a new tree that will produce three of the type of buried fruit every three days
will grow.  Trees can be planted in any soil but the sand on the beach.  The
one exception are coconuts, which can only flourish in the soil directly above
the sand; NOT THE SAND.

(5.1) Planting Strategy

You're town starts out with one of the normal five fruits (never coconuts).
This fruit sells for 100 bells apiece at Nook's shop.  Since each tree
produces three fruits every three days, that adds up.  But it's not where the
real money's at.  The reason this made this list is the selling price for fruit
that isn't native to your town.  500 bells FOR A SINGLE FRUIT.  The fact that
you can get over 200 trees in your town, each producing 3 500 bell fruit, is
literally a mind-blowing amount of bells.  That equals 300,000 bells every 3
days.  Yeah.  That's a lot.  How do you get these foreign fruits?  Everybody
recommends going online to get them.  That's because everybody is an idiot.
The quickest way to get some foreign fruit is to simply send a letter to a
villager with one of your native fruits attached.  They will probably send a
foreign fruit back.  Chop down a tree and plant the fruit where the stump used
to be.  This is so you are pretty much guaranteed that the fruit tree will grow
successfully.  After that, plant every fruit that grows from the tree (don't
chop down anything for them), and every fruit that grows from those trees.  Do
this until the town hall attendant tells you that you have too many trees in
your town.  Chop down a few until she's satisfied, then start chopping down
and replacing the stumps with that type of fruit.  Doing this will not only
give you a perfect town, but a near unlimited supply of bells.  It's not
balanced, but it'll make the other kids cry with jealousy.

(5.2) Thoughts on Fruit

This is the way to get rich.  The only problem is, if you do the 200 trees
thing, you'll have to spend about 3 hours picking the fruit.  If you are, you
know, a nerd with no life, that's all fun and swell, but for me that just isn't
worth it.  I got like, chicks and stuff.  Seriously.  Anyway, it IS the best
way to make the moolah, so you pick.


(6) Foraging for Funds

Heh. That has a nice ring to it.  Tongue twister.  Peterpiperpicksapeck-
you know, it's not quite as challenging when you type it.  Anyway, that was
random, and I apologize.  This is about using all the things you find to sell.
I'm gone crack this off Dvd Duesday style, for all you AOTS fans.

Seashells:  Good.  Quick.  Good money.  Takes a while to reappear.

Native Fruit:  Quick cash.  Good for when you need a few extra bucks.

Old Furniture:  Not much cash.  Sell it if it isn't rare.

Recycled Furniture:  If you don't want it, sell it.

Gyroids:  I hate em.  Nearly 1000 bells apeice.  Sell em all.

Lost and Found stuff:  Nearly always crap.  Quick buck.

Your own leg:  I'm joking.


(7) Money Trees

Finally.  It's here.  MONEY TREES!!! yay.  whatever.  To grow one of these, you
first need a golden shovel.  This will take about two days.  Buy a shovel.  Got
it? Good. Now buy another shovel, like the next day or something.  Got it? 
Good.  Now bury one shovel with the first shovel, and just leave it.  The idea 
is to wait at least 24 hours before you dig the second shovel up again.  Before
exactly that and this won't work.  After your 24 hours, dig it back up and it
will be a golden shovel.  This would bring down the value of gold to nothing
in a matter of hours if the media found out, so don't tell.  After you've
gotten the golden shovel, dig a hole.  I know, you're tired of it.  Suck it up.
Now the interesting part.  See, if you bury a money bag in this hole, there's a
chance that it will grow into a tree that bears 3 bags containing the same
amount of bells that was in the buried bag.  But there's a catch.  It might not
grow AND the maximum you can get is three 30,000 bell bags, or 90,000 bells,
for our less mathematically gifted viewers. So burying over 90,000 bells is
pretty much pointless.  Also, if you bury 1,000 bells, there's a 1% chance a
money tree will grow.  A tree will grow regardless, but it might not have money
on it. If you bury 10,000 bells, on the other hand, there's a 10% chance a
money tree will grow.  50,000 buried bells equals a 50% chance of growth, and
so on. Every thousand bells adds one percent chance of growth to your overall
chance. Got it? Good. Keep in mind that the tree won't grow more than 90,000
bells, though.  Also, it will not regrow bells like a normal fruit tree.


I realize that even though I explained the system as best as I could, money 
trees are still pretty darn confusing. So here's a chart to help you better

Amount Buried         Amount Tree Produces       % Chance of Successful Growth

1k                    3k                         1%
5k                    15k                        5%
10k                   30k                        10%
20k                   60k                        20%
30k                   90k                        30%
40k                   90k                        40%
50k                   90k                        50%
60k                   90k                        60%
70k                   90k                        70%
80k                   90k                        80%
90k                   90k                        90%
100k                  90k                        100%
110k                  90k                        100%
120k                  90k                        100%

(7.1) Thoughts on Money Trees

It's Chancy. Your Choice. Although if you need a quick 10k to take the boys out
for a night on the town, burying 80k is a fairly reliable way to get it. Other
than that, I really wouldn't bother with it.


(8) Online/Local Trading

I'm no expert at online trading, in fact, I suck at it.  That's why I'm
begging anyone to help me.  PLEASE.  Turnips I got, I just need maybe a list of
items considered rare and that therefore sell for more, some strategies, and
whatever else you throw in.  There is a bell award.

(8.1) Cheating Your Friends and Family for Fun and Profit

Now this is something I can tell you about.  Once you already have a
decent catalog, prepare to make some cash if you have access to online or local
multiplayer.  My dad is a really philosophical kinda guy.  An engineer for NASA
actually.  Basically, he has way to much think time on his hands.  Anyway, he
one day explained the basis of trading.  It's called the "greatest fool."  Now
you may be thinking, oh boy, here comes a sarcastic "Ryan moment".  But it's
really pretty practical.  You see, everybody has wants.  Depending on how much
they value these wants, they set a price in their mind.  You can always push
this price up a bit.  The trick is to not push the item you are selling up too
far, or they will become stubborn and revert to that original price they had
set in their mind.  Here comes the fool part.  When figuring out how much that
particular item is worth, you must decide how much to pay for it.  If you don't
have an item in your catalog, where everything is pretty much cheap, you may
have to go online to buy the item.  If you buy the item for more than the
customer is willing to pay, you have become the greatest fool.  Don't ask how
much the person is willing to pay, because then they'll figure out that they
are at the moment they are the greatest fool, and then YOU once again become
the greatest fool.  That's about as complicated as I'm going to get this whole
guide, so be wary of vampiric squirrels!!!(joke explained in thanks)

(8.2) Local/Online Stalk Market

Here comes my take on the one thing that 90% of the topics on the boards
are about.  If you know nothing about turnips, skip this and go to the white
turnips section.  If you do have an IQ above 20, stay here and read on.  As you
know, everybody that owns the game has their own turnip price every day.  Some
are better than others.  A lot better.  This is where taking advantage of
others begins.  If you have an incredible price on turnips, (400+) and have an
online connection, take your town to market.  What I mean is post your price on
a board and charge an entrance price.  Before doing so, check out what other
people have in their towns, and see what THEY are charging for entrance.  No
one wants to pay 100,000 for entrance to a town with turnips buying for 500
bells when some other guy has nook shelling out 600 bells a pop and he's only
charging 75,000 bells for entrance.  Local people will generally let you in for
free, or for however much money you have, since it's assumed you're friends
since you're playing together.  If they won't let you in for cheap, simply lob
something heavy at them, that way when they're passed out, you can open their
gates.  You could also blackmail.  Lobbing things is more fun, though.  When
the cops ask, I didn't tell you that.


(9) Red Turnips

Every Sunday from six to twelve in the morning, a creepy old hog type thing
wearing a bonnet, named Joan, shows up randomly walking around your town.
She's packing two typed of turnips, red and white, the former being the subject
of this chapter.  Good 'ol Joan has the memory of an elephant... that has had a
lobotomy.  Every single time she shows up, she only remembers to bring ONE PACK
OF SEEDS.  Aggravated?  You will be when you find out how much these things are
worth.  Buy the pack, which cost only 1,000 bells.  Find a easily visibly area,
and plant it.  (Doesn't require a hole, plant like a flower)  Now here's the
catch:  you have to water this thing every single day or it will die.  That
doesn't sound so bad.  I mean, you know, what's a thousand bells?  The little
wussy will die after a week also.  BUT, if you water it every day and sell it
the end of the week, Old Man Nook will take it off your hands for 15,000 bells.
Now you know why it's aggravating that you can only buy one.

(9.1) Thoughts on Red Turnips

This is an okay way to make cash, but it really doesn't feel worth the
dedication in the end.  If you play AC every day of the week, buy you a pack of
big red.  But if for any reason you can't make it to your Wii even one day of a
whole week, this is a waste of time and money.  Not my favorite.  Also, the
fact that you can only buy one pack at a time makes this technique a pass.
It pretty much sucks.


(10) White Turnips

Heeeeeeeeeeere we go.  Your one way ticket to "retirement" from picking
fruit.  Also from the large-headed Joan, these are AC's version of a one-
product stock market.  Joan will sell these at varying prices every Sunday.
There is an unlimited supply, so buy all you like.  Joan's selling prices
usually hover around 100 bells, with exceptions.  The reason you should spend
all your hard-earned cash on the turnips?  Tom Nook's buying price raises or
lowers randomly from Monday-Saturday.  Buy low, sell high, make a load, milk
the system.

(10.1) Investment Strategy

Like I said before, Joan's selling price is usually around 100 bells.  The
only time you should refrain from buying is when she's selling for more than
about 130 bells.  More than that and you're risking it.  But if you feel lucky,
go ahead.  If you're rich to the point that you're just making more money for
bragging purposes, invest every time.  Though you'll probably want to rip off
someone’s face when you get messed over.  Fair warning.  Check Tom Nook's every
day.  If you don't get a price that you would make a decent amount of money on
by Wednesday, sell on the next price that comes up that will get you your money
back.  If Nook at any time offers 30 bells more than what you bought them for,
sell.  It's worth it.  DO NOT WAIT UNTIL SATURDAY TO SELL.  Why the urgency?
Like their red counterparts, white turnips spoil after Saturday.  These are
some good rules to follow when investing.  Don't follow them and you'll
probably get hosed.

(10.2) Thoughts on White Turnips

This is the way to make the REAL money.  Paired with a good fruit orchard,
you'll have your house paid off in no time with smart investments.  Always
check with Joan.  ALWAYS.  If you have to time travel a few hours to get her,
do it.  But the turnips don't survive tting, so be warned.  You won't be able
to change back till you sell.   Suck on that, tters.

(10.3) Notes on White Turnips

I got a very interesting e-mail from some random dude named Master5871
(whole lot of masters out there) who held a very interesting bit of knowledge
that I'd never heard before.  Turns out old man Nookinton changes his turnip
prices after noon.  That means you have two chances a day to make tons, not
just one.  I didn't know, so maybe you didn't.  Then again, I also don't know
what I ate for breakfast, so it's not a high standard.


(11) Other Cash-Making Techniques

Here are some other ways to drag in some dead presidents. Most of them totally

(11.1) Interest

Get a lot of money, put it in the bank, get a very small amount of
interest.  Not very useful if you're trashed, but if you have a ton of cash
anyway, why not?  You're better off putting your money into turnips though.

(11.2) The Flea Market

Every once in a while, every animal in town hosts their very own small
shop in their home.  Go, because they will buy some items for up to three times
what Nook would pay.  A very nice way to make cash.  Not much else you can say.
Just don't depend on it.  It's not an every day thing.
UPDATE: I’ve recently been informed of a trick you can use to exploit the
foolish little villagers. Sometimes after you sell an item to an animal, it will
appear in the recycle bin, where you can go and pick it up again. This allows
you to potentially sell the same item multiple times to the same animal. Proving
once and for all that not only that elephants DO forget, but also that there’s
always someone dumber than you.

(11.3) Balloons

Ever notice those little floaty things that, you know, float around sometimes?  
Those are BALOONS.  Much to the excitement of millions of brain-dead children 
around the world, balloons are in this game.  It doesn't make much sense, but 
for some reason, balloons will float over your town about every ten minutes.  
There is a reason Nook has all those slingshots in his shop.  That's what you 
use to shoot down those balloons.

(11.4) Animal Deliveries

If you ever played the first Animal Crossing, you'll probably be expecting
to have to do tons of deliveries in this game.  Let's face it, in the first
game there were about three things animals would say to you: "I lost my
glasses, bought this shirt for (insert random pantless animal here), or I
found (insert other random pantless animal here)'s Gameboy and you can't play
it because this is a stupid game and Nintendo likes to torture people."  It got
old.  Real fast.  BUT, you were also expecting NES games, and we didn't get
those either.  Yes.  No more stupid, repetitive animal deliveries.  You can
still deliver for animals by simply talking to them and hope it comes up in the
conversation, but there is no longer the option to deliver on the screen.  You
know what I mean.  Delivering for the animals is a pretty bad way to make cash.
If you want furniture, or just brownie points with the animals, this is a good
way to pass the time, but if the animals do decide to pay you, it probably won't
be over 1,000 bells.  Not really worth your time.  On the other hand, you could
sell the furniture and other items you are likely to get from them, which could
bring in some cash flow.  Your choice.  It's almost worth it just to watch your
neighbor pull a couch out of his pants.

(11.5) Animal Hobbies

Okay, Animals have hobbies.  These really annoying mindless desires for a
certain type of thing, such as pink furniture, or the left leg of all the other
animals.  One of the two, I forget.  Anyway, these hobbies pop up in random
conversation with your townspeople AND DON'T GO AWAY UNTIL YOU FUFILL THEM.
Sometimes they'll stay even though you fulfilled them, but I'm not sure.  Anyway
if you really just hate money, go right ahead.  I bought a pink couch for Cesar,
because, apparently, he's like that, and he paid me about half of what I paid to
get the thing.  Sometimes you get furniture, but you're safer off doing some

(11.6) "Magical" Rocks

I don't really care what you call them, magical or red, players of the original
Animal Crossing for GCN will probably remember one of the tricks in the game
that made even less sense than the others.  Basically, hit a rock with a shovel,
and money might come shooting out of it.  Yeah.  See, every day a different rock
is... financial... um. Well, it has money in it. Basically just run around like
an idiot every day hitting every rock in town.  You could add some strategy to
it.  I'm serious.  I'm literally about to give you a strategy for hitting a rock
with a shovel.  What has our world come to?

(11.6.1) Rock Strategy

Okay, the more you hit the rock that has the money within a certain time limit,
the more money comes out.  It comes out in an order something like this.
1 hit- 100 bells
2 hit- 200 bells
3 hit- 300 bells
4 hit- um. More than that.
Look, I don't know.  Just hit the rock a bunch and money comes out.  The details
aren't really necessary.  Although the way you stand is, see, you get knocked
back every time you hit the rock, and since you only have a small amount of time
that the rock will produce money, that's a bad thing.  Luckily for you, some guy
whose name I'll have to add in a later version came up with a way to stop the
recoil.  Simply dig two holes like this: Oh, crap. I accidentally made it so the
graph is split between two pages... I'll fix that with some random thoughts.

If you throw money at people, is that assault, or charity?

How'd that whale fly over that kid at the end of "Free Willy"? It should of
like, crushed him.  That would have been a better ending.

How much wood COULD a woodchuck chuck if a woodchuck could chuck wood?

Okay, I'm done.  Wait, they don't have pages in FAQs, do they? God, I'm stupid.

Key: R=Rock 0=Hole X=You

       XX 00000
      000  000

I for one think that's a very good picture.  Anyway, you stand approximately
where the X is, and face the rock.  Then start hitting and don't stop, if you
placed the two holes correctly, you won't move backwards enough to the point
that you will miss the rock.  This will assure that you can hit the rock as many
times as possible before it stops spitting out the cash.


(12) Overall Best

Do some foraging and whatnot while you expand your foreign fruit orchard.
Doing so will give you the funds to get into white turnip investment, which is
the absolute best way to make money.  That's pretty much all there is too it.
Just have fun.


(13) Overall Thoughts

Make your own strategy using any of the suggested ways to make cash, then
buy what you want with it.  That's the point of AC, customization and
uniqueness on every cartridge.  Don't conform.  But remember, if you let your
obsession with getting virtual money go to far, such as planting an orchard
that takes 3 hours to pick, you've stepped over the line.  There's more to life
than video games, don't donate so much of yours to them.  That's about it.
Have fun and make some cash.  Just don't expect it all to happen in one day,
because it won't.  I hope you enjoyed reading this FAQ, and found it useful.  If
you didn't, you can die for all I care.  Thank you.


(14) About Cheats/Glitches

I've already gotten quite a few emails from people wanting me to talk about the
"TABLEH TRICKESSSES!!!" among other things. Here's my policy, in this guide, I 
pretend that cheats and glitches don't exist. Cheating kinda breaks the game, 
and once you've done it a lot, you'll get bored with it quickly. So no, I won't
talk about time-traveling, or the table trick, or walrus-beating, or whatever 
it is that all you crazy kids are into...

Cheating also ruins the online in-game economy, but that's a rant that I could
go on about forever... So please. PLEASE don't use cheats. Just enjoy the game.


(15) What're supposedly Copyrights

Upload this to thepiratebay.org immediately for all I care. Just don't copy 
stuff from this and then claim that it's your own work. I've seen it happen.
I'm known for giving "the farmhand" to perpetrators. I don't care if you're a 
nun or an orphan or whatever. I'll throw down.


The End

View in: