-Spend a long period of time just planting one of each crop. If you do not have enough money to start with, try selling the children. You only get $10 per child, and only if they have full health. Thus, this is best done near the start of the game.
-If you have a single adult running the farm, try to marry and then makeg the spouse leave the farm. You will get $20 for the healthy spouse to leave the farm, but the amount you get when they join the family varies. This can only be done once per turn, and there will not always be a suitable spouse.
Your family members may get sick due to overworking or the environment.When this happens, save money by treating the entire family at once. It is cheaper to do this than to treat each person individually. To do so, click a family member, then select "Give Medicine" to get the treatment options.