Great tips above. I also log in at minimum every 4 hours, some days every 2 hours. I'm always baffled how some players end up ahead when playing regularly while others don't. Here's the full comprehensive list of what I'm doing when I enter my town to hopefully figure out the difference:
To start, I don't clear the town plaza right away - more just preference to make sure I don't mess up setting monorail tasks though.
1. Sit and wait in one position to let the bandits come to me. I use my town centre as it doesn't have many houses (indolence) buildings so I can clear prospectors at the same time.
2. Clear town until I get the all bandits clear message.
3. Clear town of tasks/money, starting with monorail (reassign tasks), then leave town plaza last.
4. I assign two tasks at town plaza. Whatever your last task was at town plaza can be assigned at the bottom i.e get riled up in this image. Make sure to keep Homer, Apu or Snake free for the next one. Then start a craze with the second task you want to start. This way you assign all characters possible.
https://tstoaddicts.files.wordpress.com/2016/04/2016-04-19-20-49-34-e1461113433503.png?w=366&h=229
5. Then I clear all bandout hideouts.
6. Assign rest of characters on task.
7. Synch with server (friend screen or KL) to make sure I got all bandits.
8. Using only the largest bundle, trade in as many times as possible at the general store - largest bundle has the best payout, so I wait if I can't do the largest.
9. Drop prospectors if it's the right time of day. A fair amount of neighbours are forum regulars so I have an idea of potential time zone to make sure I'm dropping in towns that can clear them. I assume they last 4 hours like past events.
Once I finish the act, I hoard prospectors. Also only do the minimum trade in at the general store using the smallest bundle.
Other points - I have all the premium characters except Texan, and have two extra bandit hideouts from premium purchases. Don't think you need these though as I had about 6 days to spare when I finished.
ETA: As DrumminBeard stated maxing at the general store daily is not a requirement, just a preference of play style. Your unused amount will carry over if you don't get to the daily max. Last day of act, caps are lifted so you can do as many as you want.
ETA2: I also prioritize the main event questline at the beginning to unlock the rest of the act at the start. I put all event quests for prizes and premium characters on hold until I finish the act. Basically I avoid pulling anyone off town plaza jobs until I get the last prize.