The only thing in the early game that will affect future gameplay would be your characters facial appearance, the name of your town and the name of your character. To start off the game, I highly reccomend buying a fishing rod and/or a bug catching net and then sell the fish or bugs to nook for a decent amount of bells. Just be wise with your money in the early game it will really help you to pay off that mortgage. Below i am posting a guide for the early game.
Bells, bells, bells.
No, not the things that ding. Money in animal crossing. It's quite difficult to come by in the early game but becomes slowly easier as you progress. Here is what you do.
1. Buy a fishing rod or net from nook.
2. Fish alot. for your first bag, you get around 7,000 bells.
3. For each bag, pocket half and put half in the bank.
4. Buy furniture and clothes and pay off your mortgage.
5. Go on wi-fi and get some fruit that you dont have from other players towns (or even get a few million bells from the people with AR's!*)
6. Plant the foreign fruit and let it prosper. then sell the foreign fruit for 700 bells each! Whilst continuing with the starting money methods!
i]* People with AR's can destroy your town. So be cauitious. Also, I reccomend not asking for millions of bells because it will riun your enjoyment of the game.[[/i]
I HAVE CHANGED MY ACCOUNT TO: SACRED_LIGHT.