To add on to Aviatrix's post about the bugs, I've noticed if you play the game at night, there tend to be bugs lurking around the light posts, and (this may have been just a coincidence) but I found a lightning bug hanging out by one of my peeps Christmas lights on their house

Also, there appears to be a lottery event in the game. I'm not sure how often it occurs, but the ticket is cheap (only 10) and the outcome was 500 for one of my townsfolk! Other than that, just play a lot and acquire multiples of bugs for sure!