To get Penny the Mini Money, you have to complete a Super Moshi Mission. You must be a paid Moshi Member to do Super Moshi Missions.
011: *Penny the Mini Money [Luckies] Super Moshi Mission 6: Super Moshiversity Challenge
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you can get it from a plant in your garden
You can not get Penny by planting seeds. The only way to get Penny is to complete mission 6 with the super moshi. Only members can do missions. 011: *Penny the Mini Money [Luckies] Super Moshi Mission 6: Super Moshiversity Challenge
The seeds you plant in your Moshling garden do not need to be watered.
You do not need a combination for the plants on Moshi Monsters. You buy the seeds at the Moshling Seed Cart or Super Seeds, then plant them in your Moshling Garden. Once the seeds grow into plants, if you have the correct combination of seeds, you will attract a moshling.
Plant the Hip Hop Hibiscus seed in your Moshling Garden with any 2 other seeds. Wait for the flowers to grow then you will get Blingo the Flashy Fox moshling on Moshi Monsters.