Well, if you've already traded for 20 mil before you've even played a month, then I'd say you are already kind of rushing through the game. I earned all of my bells to pay off my house upgrades in-game without trading. It depends on how much patience you have. If you are willing to wait 2-3 months to pay off your house and upgrade Nook's, it will feel more rewarding when you do so. If you do a lot of time traveling and just try to get things done as fast as possible, the game will probably start to feel tedious. There are some things which just take too long to accomplish "naturally". Getting all of your dreamies in your town without time traveling will take forever and getting 100 million bells in your account without trading online (or cheating) will take an extremely long time. My advice would be to take the game slowly at first; you can always speed things up if they seem too slow. If you start out really fast, you'll more likely than not just end up getting burned out playing ACNL and you'll miss a lot of experiences that you can't get back.