Let's start with the goal "art". You can achieve this goal by getting a painting for your house. It says for the goal description,"you bought a painting for your house". But, you actually don't have to buy anything at all. There will be several times when you receive a package addressed to your neighbor. Always open the box unless it specifically says that the box is white. White boxes contain ants that come and damage your food. The normal packages will normally have paintings. That is how you can get a painting without buying it.
The next goal is the pool goal. It is titled "staying cool in the pool". You do not have to buy a full sized pool. In fact you can just get a cheap swimming pool. If you do not want to keep the pool then put it outside your front gate and sell it. So that is how you earn that goal.
Another goal is the plant tycoon. The way that you achieve this one is is to water the plants in the window boxes. The plants are on the left side of the house. All you have to do is drag a person over to the hose. Their status should say watering the flowers.
Another goal is to buy a radio for your house. You don't actually have to pay 850 coins for a RADIO. Who says that you can't buy a 350 coin MP3 player instead? It will still count as a radio and you can sell it when you are done.
A way to get all of the wrapper attack , sock warrior, and sir spot a lot achievements is easy too. You only have to use the time/money glitch. If you do not feel comfortable about doing that I understand. When i did it i didn't earn money but I achieved the cleaning goals because my house was a wreck. If you do not want to use that method then I recommend just cleaning up as life goes on.
This is an achievement that may be slightly harder. It is to get your person to live for 65 years. Here are some things that may help.
As your people grow older give them organic food and check on them often
Stay away from making them work and give them full attention
Do not scold them for anything that they do
Do anything that you can to make life easy
Once one of them dies keep playing with the other
