When you tell all your friends, family, colleagues, pets, children and in-laws about Where's My Moola... be sure to tell them to fill in your USERNAME into the "Who referred you" box at registration.
You can also send your personal link to everyone you know via email, Facebook, Twitter, Google+, LinkedIn and so forth. You can find your personal link under the User Menu - "My Referrals" (this is only visible after you have logged in)
This will give you 10 points for each successful referral, and you will get 2 points for each note they enter into the system.
Learn more about the points here