The thing is is that you DON'T have to.BushMonstar said:Since New Leaf is my first Animal Crossing, I don't know about the other games, but in New Leaf, you have to take out a loan for when you first get your house, and then another one whenever you want to upgrade it. The money rock helps out a bit early on, but it's not nearly enough to fully pay for the loans + there's only one money rock per day.Thunderous Cacophony said:Just out of curiosity, do you have to take out loans? I always hear people complaining about some loan-shark (I think it's a raccoon), but a free money rock seems to solve that problem.
You won't have Toom Nook banging on your doors requesting you update your house.
The game makes you WANT to do it because your house is small and crappy. So you get a bigger house. It's a torture of your own desires and actions.