Well, honey, you write 12.4 as "twelve point four." It's as simple as that. Just put those words together and you've got yourself the word form of 12.4.
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one hundred twenty four
It is: 124,000,000,000 = 124 billion
You can write 5.24 in word form as five and twenty-four hundredths
You can write 14.12 in word form as fourteen and twelve hundredths
0030.0 in word form is thirty