If you are always broke, ignore the boat for a week. Stop filling truck orders that ask for 3 cheesecakes for 100 coins. Instead, sell those cheesecakes in your roadside shop for 300 coins each. You’ll level slower but buy machines instantly.
Selling these items rewards you with Gold (to buy more buildings) and Experience Points (XP, to unlock new content). Fulfilling Orders and Making Money hav hayday work
You begin with basic crops like wheat and corn. Unlike many other games, you don't buy seeds; you simply use a portion of your existing harvest to plant more. If you are always broke, ignore the boat for a week