Instructions
Purchase two shovels from Tom Nook's store. Use one shovel to dig a hole in the ground. Place the second shovel in the hole. Return to the site after 24 hours and dig up the shovel. It will have turned into a magical golden shovel after spending at least one full day in the ground.
Find a clearing away from trees and objects. Use the golden shovel to dig a hole in the ground. Place bells in the hole and cover them up.
Water the spot and a sapling will eventually grow. Water the sapling at least once a day for four days.
Return to the spot where you buried the bells after four full days. You will find that the sapling has turned into a full-grown tree. Shake the tree. Pick up any money bags full of bells that fall to the ground.