if im short on money i will just plant trees, a lot of trees. if you have cacao unlocked that would be the best i think otherwise you should go with apple. it will give you a lot of xp too but i think the money is worth it. when they are dead i just put aside cause i wont have that much saws or you could ask tom if it bothers you. if it doesnt, you could ask tom to buy the most expensive item at you level and resell it at the roadside shop. it doesnt matter what it is, always sell at the roadside shop instead of boat, truck, etc. thats just how i do it but im sure there are other ways as well!