Answer: v = -3m+40
Step-by-step explanation:
$40 is the starting balance.
After each month, she'll lose $3 if she doesn't use her balance (i.e. spend the money on that gift card). She loses 3m dollars total over those m number of months. This means she'll be left with 40-3m dollars.
Example: If m = 8 months elapse, then she lost 3m = 3*8 = 24 dollars. She would be left with 40-3m = 40-3*8 = 40-24 = 16 dollars.
The terms of 40-3m rearrange to -3m+40