I know a lot of ways how to get money. I bought a goat from Van I think it is a very good investment to make but a lot of people don't think so. I do because it isn't like cows. You don't have to breed it to make it give milk. It just does anyways. I have $80,000 from having 4 cows that give milk, a goat that gives milk, and 4 chickens including two that lay golden eggs every day. My goat isn't living anymore and I had to sell one of my cows because it stopped giving milk. Also, I have 2 trees and every time I get fruit from them I put them in the seed maker and then I can sell the seeds for lots of money. At the beginning of the game I used to collect all the flowers, herbs, and other foods I found all over the village. This isn't a great way of earning money but at the beginning I couldn't afford animals so that's how I got started. Also, the price hacks up a little bit more if you sell items to Van instead of selling them on your own or putting them in the shipping bin. Another way is to buy crop seeds from Vesta and plant them in the good soil field. Once you harvest them you can just plain sell them or put them in the seed maker and you can get lots more money from doing that. I also like to make recipes and sell them to the village people because they all like home cookin'. There is one last thing I can think of. You go to the dig site every morning and every ore and jewel you find there you can sell to Van for a high price.
Oh and for the seed maker, sorry I couldn't tell you. I just bought mine in chapter one, before I knew that you can get one for free in chapter two.
Whew...my hands hurt from typing now.
I luv helping peoplez.....so if ya need help on any animals on Harvest Moon A Wonderful Life, just go to my thread. I can help you with any problem. I am an expert on the animals.