1. Get all of your sims to garden either beans (best for money) or pumpkins (best for xp). Both give decent amounts of money and xp. I personally like to have some sims doing pumpkin and the rest do beans.
2. Once your sims are all gardening, go to the sim tracker page, and click the home button to exit the app.
3. Go to settings > general > date & time.
4. Turn set automatically OFF if it is on, and set your date to December 1, 2013.
5. Double click your home button, hold down the sims app until it wiggles and a minus sign appears. Click the minus sign. THIS WILL CLOSE THE APP, not delete!
6. Go open your sims app, and the should all be for gardening and you can collect your daily payment and everything every time.
-WE ARE NOT DONE-
7. Once you are done collecting everything, go back to Settings > General > Date & Time and turn Set Automatically back ON.
8. Return to the Sims app, and now you can make them all gardening again and begin repeating the process. HOWEVER!!!