To determine how much more Suzy can spend on arts and crafts supplies without having a negative balance, we first need to calculate how much she has already spent.
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Calculate the total amount spent so far:
- Specialty paper: $12
- Felt: $8
- Total spent: \( 12 + 8 = 20 \)
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Subtract the amount spent from her budget:
- Total budget: $40
- Amount left to spend: \( 40 - 20 = 20 \)
So, Suzy can spend an additional $20 this month on arts and crafts supplies without having a negative balance.
The correct answer is d. 20.