You can earn money in Harvest Moon DS several ways by getting gems from mine and selling them, by selling the produce which are made by your animals and fishing or just generally selling the items you collect from foraging.
Hope this helps. :)
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To earn money fast you should go to the mine. You can sell those items to van, and he is located at the inner inn ONLY on days that end with a 6 and 8. I hope this helped you.
At 5.00 pm Tomas pays you but if you max money it doesn't work
Win cooking festivals and get a reward from Ina or rutger then ship the reward
If you eat a toadstools in Harvest Moon Cute you will earn fatigue points. I assume after eating a few, you will pass out.
The only cheat I know for Harvest Moon Tree of Tranquility is infinite money.