The only thing that is eating my Bells at the moment is my personal ABD in my house that I got from saving 100,000,000 Bells with the Post Office savings account.
I go on Club Tortimer regularly and give away as much as 30 Million Bells, cause I maxed out my bank account turnip selling on the ACC, so now I have nothing to do. Darn.
Until recently, home expansions and pwps. Now I'm waiting for more pwp requests to come in naturally, so in the meantime I'm saving bells to get the post office prizes.
Currently I'm buying things from shops when I see them (fertilizer and bush starts every day), PWPs and villagers. "Will you buy my >insert useless item here< for 2000 bells, plz?" I'm too nice. Especially after I said no to Lionel one time and he got sad.