Well, honey, you write 8.75 as "eight point seven five." It's as simple as that. No need to overcomplicate things, darling.
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Eight and seventy-five hundredths. The decimal point becomes "and." The last digit is in the hundredths place so 75 becomes "seventy-five hundredths."
875 = 53 x 7
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
8,000,000 in word form is eight million.