We know that Peyton wants to buy two shirts.
• First shirt cost $24.97.
,
• Second shirt cost $13.75.
To do the mental math is ok to round $24.97 to $25, and them sum with $13.75.
However, to get the exact number, Peyton needs to subtract 3 pennies from the last amount $38.75, becuase she rounded before.
Therefore, to find the exact amount she needs to subtract 3 pennies.