so i've been playing this the last few weeks, and i've kind of taken the slow route. having played all of the console ac games before and hating having to pay 'loans' in a
video game, i decided to approach this one a bit differently so i could get that part out of the way. i decided that i would only earn and earn and earn bells until i had enough for the next house upgrade, then trigger the upgrade, and pay the loan amount right away the next day, then rinse and repeat until i was done having to pay that damn racoon.
what this meant: from the very first day, i sold EVERYTHING i collected, with only a few exceptions. i gave no museum donations, nor donated materials to complete the store. i did not travel anywhere. i did not buy anything unless necessary. i did not furnish my house, except with a toilet because i thought that was funny. i *did* store all excess crafting materials i gathered knowing i will need to use a bunch once i actually started playing for fun. and i did gift the two other residents (reneigh and axel) an item a day, along with sending one letter plus a gift item to one of them every day. my island has cherries as the native fruit, and so i planted the orange i was gifted early in the game by 'mom' (i think) to grow an orange tree and then plant more trees from there. so eventually every three days i'd have an island of 70%/30% orange/cherry trees to pick and sell.
as i most often only get maybe 1-1 1/2 hours max a day to play, this worked out fairly well, as i got into the routine of picking/selling any fruit i had, selling any fishing/bugging/diving creatures i caught, planting 10k bells in the golden tree spot so i could get 30k in return each day, and selling 4 identified fossils- all of this done solely to build up my bell count. on days with no fruit on the trees i chopped and stored wood from all of those trees without chopping the tree down.
but this approach also meant not being able to access my island's other tiers, traveling to other islands, getting new residents, and in general just not progressing in the game in any way. but i was determined to see this approach through as paying tom nook was always my least favorite part of the older games.
well, folks, a couple days ago i banked that final deposit to make it to 2,498,000 bells in the abd and told nook to build my basement. yesterday i got that basement and immediately paid that last loan off. i donated everything i was allowed to to get the museum and shop construction started. today i traveled for the first time (side note: because i never spent any, i have banked about 130k nook miles over these last few weeks). i was able to finally build the ladder to see the rest of my island for the first time. lastly, i completed all of the crafting needed to bring three new residents- apparently i will be graced with lily, sherb, and flora. hopefully they aren't turds.
i am kind of surprised that there isn't any sort of reward, like nook miles or a special item, for paying off that last loan. but even if i knew that beforehand, i still would have played this way- i guess i really just don't like feeling indebted to a video game mafioso.
so, now i can start enjoying the game. i feel like the south park kids when they beat the world of warcraft nerd: