The expression is
Place value chart for 9.50 and 3.75.
\
Line up the decimal points and draw a line below the numbers.
\
First find the sum of the hundredths digit.
\The sum of the hundredths digit
.
First find the sum of the tenths digit.
\The sum of the tenths digit 

Next find the sum of the ones digit.
\The sum of the ones digit 

The amount left with Phil is
.