Ok. We Know that when you're playing the game, you have to pay off a loan from Tom Nook and then you get your house upgraded. This isn't really a cheat but something to help you keep money. After you have the last upgrade done to your house, (you'll know when its the last one because he'll say something about it,) don't bother paying off the massive loan he gives you; keep the money! Nook has already upgraded your house now and can't do anything about it!
=)
Another little hint:
When you're trying to grow a money tree, it MUST be a 99,999 bell bag in order to have the best chance of it growing. If you only use a 1,000 bell bag, persay, you have a 1% chance of it growing. 99,999 gives you a 99.999% chance growth. That's pretty good!
One Last thing: If your friend has Action Replay and comes to your town and attempts the weed thing, you won't see 69,000 bell bags, just weeds that you can't pick. Your friend may be able to see them and pick them up, but in order for you to retrieve them, they must drop the money. My friend and I did this and it sucked because I couldn't pull the weeds for her and help. She did it ALL BY HERSELF!!! And I had a bunch of weeds from time travelling...
Yeah.. Dunno if this helped at all, but... yeah...
I might put down times for secret characters later, if I get the chance...
L8R CHZGR8R