I have no clue about cheats, but i know that when you bury money with a golden shovel, you will plant a tree which, if it is fully grown, will drop money bags with in each one the amount of Bells you planted or 30.000 Bell bags, whichever is lower.
The catch? I don't know it but there is a catch.
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money i believe
You need to have another d.s. with anther animal crossing game on it. Then you move into that game. Sadly with no money or any thing but what you were wearing.
It takes 4 days for a money tree to grow, but the money is not guaranteed.
the money rock comes every day at a random rock.
150 bells