Which of the following is a real word problem that could be solved with a sum

102.50 + (-39.95)

A real word problem that could be solved with a sum of 102.50 + (-39.95) could be:

Sam had $102.50 in his bank account. He made a purchase of a sweater for $39.95. What is the new amount of money in Sam's bank account after the purchase?

A real word problem that could be solved with a sum of 102.50 + (-39.95) could be:

Mary bought a dress for $102.50, but then returned it and received a refund of $39.95. What is the total amount of money Mary spent after the refund?