I'm frustrated with the opposite problem lately. I have bells but nothing good in my stores and no public works i'm interested in. I suspect this will change a bit when they request the moai.
Right now... I don't want anything... I have a perfect town so I'm afraid to do anything until I hit that 15 days. I'm just gonna sit on it until I get that golden watering can. But I have money saved up to make my cafe... And I'd love to be able to finish expanding my house completely... I guess that's the one thing I don't exactly have the bells for.