we know that
In an Arithmetic Sequence the difference between one term and the next is a constant

where
a1 is the first term
d is the common difference between terms
n is the number of months (in this problem)
case a) Mandy


------> equation

in this equation the first month is April
case b) Bill


-------> equation

In this equation the first month is May
With the equation
and the equation
calculate the attached table
therefore
the answer is
December