Get a shovel. Head to the Nookling Store—north, past the train station, and follow the cobblestone under the arch. The Nookling Store can be found to the right when you enter Main Street. Check the shelf where the tools are displayed. If you find a shovel on the shelf, stand in front of it and hit the A button. Timmy or Tommy will ask if you want to buy the shovel. Purchase the shovel for 500 bells. If there is no shovel, you will have to either wait for a day to pass, or if you’re in a hurry, manually change the date yourself. To change the date, save the game and go to the start screen. Talk to Isabelle and ask to change the date. There is new stock every day, so you only need to skip ahead a day.
Equip the shovel. Open the inventory with the X button, and hit A over the shovel to equip it. A quicker, more efficient way to equip tools if to use the D-pad on your DS. If you don't have a shovel, you can also use an axe to hit rocks.
Find the rock. There are many rocks in the area, but it is impossible to know which one is the money, or bell, rock; its location is completely random. When you find a rock, stand in front of it.
Dig a hole behind you. Whenever you hit a rock, you will be knocked back. To prevent this, turn around and dig a hole (A button) in the ground. Make sure there is a space between the hole and the rock. Make sure there is space around the rock. Move all objects directly next to the rock, or the money may disappear.
Hit the rock. Face the rock again after digging a hole, and hit it (A button). The hole will prevent you from being knocked back. If you strike a money rock, bells will come out. Continue striking the rock as fast as you can. The more you hit the rock, the more bells you will earn. If you hit a rock with a silver or gold shovel, sometimes ore might come out. Of this happens, continue hitting it like normal. Ore can be sold for even more bells, or can be used to customise furniture, such as making golden furniture. If the rock you hit is not a money rock, find another rock, dig a hole behind you, and hit it. Repeat this process until you hit the jackpot.
Collect the bells. After the rock ceases to yield bells, collect what it has dropped. Do not stop hitting the rock to collect bells! Wait until it is finished. To add the bells to your wallet, stand over them and hit Y. When you have added the bells to your inventory, open up the menu with the X button, and use your stylus to drag the money icons to your main bell supply, which is located above your inventory on the right.
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