Free rent
When you are staying at the "Come Over Guest House", the rent is $38 each night. To not pay, just forget to pay it in the morning then remain out until 11 o'clock.

A very easy way to not pay at the Come Over Guest House is to walk all the way to the side of the stairs. Walk as far from the clerk as you can to go to your room, or going outside.

Easy money
Use this trick on the first two discs for easier money. Then proceed the worker's pier and move crates. When you shift is over, leave then go back in. This can be done three to four times in one day.

To safely make plenty of money, save before you do gamble. If you lose, use the in game reset then reload your game and try once again. The best places to use this method are at Wan Chai: Roll it on top, Lucky charm Qr near Three Blades street; Kowloon: Big or Small, Old Government Building, Dim Sum Qr. (Go through the underground walkway).

Manage to get behind warehouse #8 on Fortunes' Pier (the one with the red doors). There is a set of Lucky Hit tables here. Then choose the second table from the left. The board features a tiger with wings, and the bet is $20 to win $60. You should drop the marble nearly close to the left side of the table and win roughly 60% of the time. You can easily make $1,000 in one day.

To save more money on Disc 1, because you will be robbed proceed to a peddler on the street and spend all of your money on Zippo lighters. When you do get robbed. you will only lose 16 yen. Later, after getting your room at the Come Over Guest House and your first day of work, proceed to the Pawn Shop. Pawn off your collection of characters, toys, and lighters. You will then make 295 yen back, and thus 40% of your money (losing just 205 yen). This will help you survive the cost of boarding until you get beyond Disc 1,

Related family Gui Zhang and Joy
When you have to listen to the last tape to locate clues, fast forward to the last part to hear a conversation between Gui Zhang and Joy. They will talk about Ryo.