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First off, this guide is for those who are willing to work for their money and there are many ways to make Bells in AC:WW. I just tell you most effiecent way to do this.

1) When you start your game or if you don't have enough bells to buy something, go the the beach and at the shore pick up the shells you find there and sell to Tom Nook. You'll usually end up with just over 1,000 bells, kinda good. And if you wait a while the shells return and you can repeat this over and over.

2) Fishing, once you have enough bells to buy a fishing rod spending time and having nothing in you inventory while doing this, you can fish and catch up to 15 fish. Nook will buy them and you'll have a guaranteed sum of over 5,000 bells.

3)Furniture, once you start doing a lot of errans you can sell the furniture you get. Also you can hit rocks everyday to get a total of 8,500 if you dig two wholes behind your character so that you can stay near the rock.

4) To include, you can sell all the fossils you dig up, if you don't donate any to Blather than you can sell all of the fossils you get and not worry about having to sell one you don't have.

5) This is the slowist way to earn bells. First you have to get the fruit and have them grow. After your town is full of billions of trees you can shake evry single last one and pick up all the fruit and sell them to Nook for a real large sum of bells. This is the slowit precess and takes up to tree days for a tree to bare any more fruit. So yeah, takes a while.

6) Turnips, you only do this once your house is big enough. Enough as in you have another wing in your house at least. Buy tables and place them in all four cornes of your home, except the in the one corner where you have to get to the other room, just put the table somewhere else. It's best if you get the large tables that can hold 4 itmes on them.
Anyways, buy a load of turnips. Drop one of your tools (or a turnip if you want) on the floor right next to the table. Face the table as if your going to place an item on it while standing on the tool or turnip. Open your inventory and place two turnips and they will NOW land on the table instead of the floor. This will prevent the turnips from ever spoiling. When Saterday comes by and turns to Sunday, these turnips will NOT rot. This is goin to be very helpful.
Tips on buying turnips, never ever buy turnips higher than 110 bells. Because most of the time Nook will only buy around 120, and the price diffrence would be that much higher.
Having turnips that never spoil will be very helpful. Instead of wiating on days that are mearly any higher, you can just save these turnips when Nook sells for a crazy high price like around 500 or even 600 bells. Now that is really good!!!

Now, if your a fanatic and do all this every day for one month you'll earn quite a sum of bells. Just keep at it and you can pay off that debt to Nook in no time!!!!