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im not much of a cheater i was just messing around when i found out if you
you wat till winter then hire fishing sprites (this must all be in winter)
then you buy 99 bird feed and put a stone in the delivery box next day you should have 1000000 and even if you spend all of it in one day ( if you
still have the fishing sprite out working) the next you will have 100000
now this dousnt work with harvest moon it is only if you have this glich
Okay, here is an easy cheat to get loads of money.
It has to be winter when you do this. First, hire harvest sprites to fish at the beach for 7 days. Then, go down to the beach and check on them. After that, go back to your house and sell something, anything. Do that for all of the 7 days and you should be filthy rich.
Then on the first day of spring the next year the mayor will come to your house and ask you to buy an island for 99,999,999 gold. It seems like A LOT but buy it and you will still have plenty of money. Then you can call and have someone build a house on that island. You can easily access that island by the boat at the edge of the beach.
Well, that's it! Hope I helped!!