It's coming to the end of the year, which is always tough on the wallet. After the recent 11.11 sale, there's Black Friday coming up. And then there's a need to start shopping for Christmas presents. To fill the hole in my wallet, I started looking for promos that allow me to make my savings work harder. I recently came across a promotion that allowed me to earn S$40 of welcome rewards with my S$100 of spare cash. I’m of course talking about Moomoo’s latest Welcome Rewards promotion which applies to new users. Interested to find out more about how I did it? Read on.