Write the whole number to the left of the decimal point, if necessary. Whatever number exists to the left of the decimal point is the whole number. For example, write the whole number in the decimal 106.2 as "one hundred six" and write the whole number in 436.68 as "four hundred thirty-six."
Use the word "and" to express the decimal point in a number. For example, write the number 43.1 as "forty-three and one-tenth" and write the number 613.49 as "six hundred thirteen and forty-nine hundredths." Do not use the word "and" at any other place in a written decimal number except the position of the decimal point. The "and" always indicates the decimal point.
Examine the numbers to the right of the decimal point to determine the decimal number. The place values begin with "tenths" as the first place to the right of the decimal point. The place values increase to "hundredths," "thousandths," "ten-thousandths" and "hundred-thousandths." The number in the last place value determines the place value of the decimal number. For example, in the decimal number 24.459, the "9" is the last decimal number and this number is in the "thousandths" place. You would write "twenty-four and four hundred fifty-nine thousandths." In the decimal number 1.29463, the "3" is the final decimal number and this number is in the "hundred-thousandths" place. You would write "one and twenty-nine thousand, four hundred sixty-three hundred-thousandths."