I am running low on money and I need to pay of my morgage how do I make..

First off, you'd need a golden shovel (which you get by burying a shovel for 24 hours).

You'd then need to plant a tree using Bells. However, note that the less Bells you plant, the less likely it is that the tree grows money. Moreover, the tree only produces money once, so it is a very inefficient way to make money. The easiest way is to sell Fossils, fish, and Bugs.

[color=red][color=red]1. Buy two shovels and plant one. (Leave it for 24 Hours, under the ground)
2. Earn lots of bells, (5000 bells works best for me) catching fish and Bugs.
3. Bury the money in a place you will rerember, (I grow mine next to my house) wait for it to grow.
4. Shake the tree and down falls bells!
5. Please note that if you plant loads of bells, it is more likely that you will get a money tree. Also they only produce money once.

Hope this was usefull.