Answer:
Work backward. If at the end they both had 12 cents. Then Betty had to have given Ann 6 cents. Which means that Betty had to have had 18 cents, because there is always a total of 24 cents. Which meant that before that, Betty had 9 and was given 9 cents. So Betty originally had 9 cents. So Ann had 24 minus 9 or 15 cents at the beginning.
Explanation: