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What do you do with your bells?

I have 4 towns and all the players houses are paid for. Just have one town that needs to spend money on PWP and one player that needs her 5 million shopping badge.

My thing is to have equal amounts of bells in all of my cartridge games just in case one gets corrupt.
Also started ending the day with only 20K in my pocket.
 
Whenever I teach 100k bells I put 90k into my bank account, I've got all of my house upgraded and paid off and generally more than enough in the bank to fund any good pwps that come my way, so it's a good system.
 
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Furniture and clothes I guess. I've paid off my loans and I have all of the PWPs I want so I haven't really got much to spend it on.
 
Expansions and furniture for my 2nd & 3rd characters' houses, sometimes Gracie stuff but I don't really go shopping anymore unless its something specific for the houses
Once I get all the villagers I want I'll probably make a 4th character so it'll go into buying stuff for them too, and I can finally continue on PWPs too
 
What do I do my my ... Oh I misread that the first time.
I usually store them in the bank. Or give them away free to people.
 
I have 32 mil at this point and I've been using it for pwps (though I'm practically done) and expanding my pattern mules' homes. I guess I'll eventually use it to actually furnish their homes, but as of right now, I'm just trying to finish my town.
 
I only carry around 20k bells in my pockets since I usually don't spend very many bells on a daily basis. I shove the rest into my savings account.
 
Check what the stores are selling- buy if I don't have the item in the catalog otherwise go bug-hunting/foraging for more bells to pay off mortgage. I usually leave 20k bells in my wallet after paying the mortgage or leaving in savings for the next payment.
 
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