Answer:
44 = 12 + M
Explanation:
Start with your final amount that everything else is going to equal
44 =
Then, add the $12 that is already saved to the other side\
44 = 12
But, that equation is not true yet, so we have to add the amount of money that she still needs to save
44 = 12 + M
That equation shows that the money she has saved ($12), plus the amount she still has to save will equal the amount she needs.