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Now, you want to make lots of bells, so you have support in case something you just can't live without comes into Nook's or the Able Sisters' shop, and it happens to be expensive. You may also want to consider donating bells to the town's cause, because you will get rewarded in many ways:

  • Donate 200,000 bells: You and the people in your town, not animals, will vote via town hall on where to put the extra bridge that the town hall will build over the next day or so after all the voting. This bridge is super-convenient after getting used to it being there.
  • Donate 400,000 bells: You can build a fountain in your town. If you come to the fountain after it's built with an axe, you can throw the axe into the well, and a fairy-thing named Serena comes out. She asks you what type of axe you threw in, and you tell her either golden axe, silver axe, or regular axe. You have a chance of getting any type back, but you can be honest with her and say regular axe, and more than likely she'll give you either a gold axe, which chops trees down with fewer swings and never breaks, or a silver axe, which just never breaks.
  • Donate 1,000,000 bells: You get a windmill/lighthouse.