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You should know that:

 

10 10p coins make a pound.

100 1p coins make a pound.

 

Using coins, £4 is 4 pound coins.

So £4 can be written as 4 × £1.

 

 

Using coins, £4.20 is 4 pound coins and 2 10p coins.

£4.20 can be written as 4 × £1 + 2 × 10p

 

 

Using coins, £4.28 is 4 pound coins and 2 10p coins and 8 1p coins.

£4.28 can be written as 4 × £1 + 2 × 10p + 8 × 1p

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