plant crops and harvest them. spend all your money. it's not like it earns interest. the trees take six days to ripen for their initial harvest and 3 days each time after.
if you wait too long the crop goes to waste. that might have been the problem. i got money for my crops that came with the farm. strawberries and tomatoes only take a day, rice and corn are two days and potatoes and wheat take three days.
stay away from the wheat and rice stuff until you get some money going...they take too long and cost too much. do maters and berries and harvest trees. you can't sell any animals until you've bought a barn and that takes a while. SEND TREES peeps!!
My advice is strawberries til you fill up your farm plots... then tomatoes. Tomatoes are a better profit per square, but since they cost nearly 4x what strawberries cost to plant, strawberries are better in the short run when you are trying to fill up your farm.
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