Half of $12 is (1/2)*$12 = $6
There are 7 days in a week so if she saved half every day except one then she saved half for 7-1 = <<7-1=6>>6 days
She saved $6 for 6 days for a total of $<<6*6=36>>36
A quarter of $12 is (1/4)*$12 = $<<12*1/4=3>>3
She saved a quarter once for a total savings of $3+$36 = $<<3+36=39>>39
#### 39