By earning 3000 dollars more than you spend. Basically, you can concentrate on earning more, on spending less, or a little of both.
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12% of 3000 dollars = 3000*12/100 dollars = 360 dollars.
3000 dollars
$903% of $3000= 3% * $3000= 0.03 * $3000= $90
3000*(7/100)*(6/12) = 105 dollars
You save 15 dollars.