This a very easy money cheat that takes no time at all.

First, go to Lottie's and buy a chili seed (preferably 9 seeds) and plant them in rows of three, but make sure they're close.

Now go back to Lottie's or Ivor's and buy Lottie's red fertilizer or Ivor's magic fertilizer. Now once you have selected the fertilizer, it will take you back to the garden.

It should show the fertilizer in your hand and the cursor.

Now position the cursor so that it covers four of the seeds, now fertilize them 3 times (the good thing is that the fertilizer only costs 13 coins).

Now wait about 30 seconds for them to grow, and when they do, sell them. And when you do, they will sell for 400 coins EACH!!

Continue this process, and you will have a lot of money in no time. I did this, and after 10 minutes I made over 100,000 coins!