Think of fractions as division problems. One over eight is another way of stating 1 divided by 8. So:
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one over eight to a decimal = 0.125
eight and one tenth.
1.8 = one and eight tenths.
To write 8.81 in words, you would say "eight point eight one." The whole number part, 8, is pronounced as "eight." The decimal point is read as "point." And the decimal part, 0.81, is pronounced as "eighty-one hundredths."
100 and 8/1000 as a decimal is 100.008