You have to ask one of your friends or YOU can ask your parents and you don't spend a dime!
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You can buy some at the Kinzstyle outlet, or you can make them in the clothing machine. The recipe is Penny Loafers, Lovely Leopard Cat Cap, and the White Hollywood Sunglasses. Also, if you have a pet chocolate lab they naturally put on glasses, although they are taken off.
Yes there is a penny but it is very hard to find with all of the other things in the way.
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
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a penny