-20.75
Explanation
Step 1
Let
initial balance = $120.50
final balance= 99.75
change= unknow
Step 2
the change is
[tex]\begin{gathered} \text{change = final balance - initial balance} \\ \text{replace} \\ \text{change}=99.75-120.50 \\ \text{change}=-20.75 \end{gathered}[/tex]the negative means she used money from her account