Simple.....
you have this fraction...

simplify...
42/6=7
and
60/7=10
Thus...

Thus, she has saved 

 of the money.
 
        
        
        
Take a look at the attachment to see the solution.
A = future value
P = principal (P = 12,000)
r = interest rate (r=6)
n = time periods (n=12)
 
        
        
        
1.5 is lesser than 0.5. Oh, wait nevermind I meant to say -1.5 is lesser than 0.5
 
        
             
        
        
        
Step-by-step explanation:
(22 + (-6/20) × (214 - 10 ( -6/20)) - (284.75)
(22 - 6/20) × (214 + 60/20) - (284.75)
(22 - 0.3) × (214 + 3) - (284.75)
(21.7 × 217) - 284.75
4708.9 - 284.75
= 4424.15