
First, find the LCD of the two denominators.
Multiples of 5: 5, 10, 15, 20
Multiples of 20: 20
The LCD is 20.
Second, make the denominators the same as the LCD. / Your problem should look like:
Third, simplify so that the denominators are the same. / Your problem should look like:
Fourth, combine the denominators. / Your problem should look like:
Fifth, simplify. / Your problem should look like:

Answer as fraction:

Answer as decimal: -0.65