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Let u be the monthly allowance.

                 Spent                        Saved

Jan            100                          u-100

Feb      0.9(100) =90         1.25(u-100)                  

Saved amount in Feb  = Saved amount in Jan + 10

1.25(u-100) = u-100+10

1.25u – 125 = u -90

0.25u = 35

u = 140

Hence the monthly allowance Joyce has is $140.

Alternatively,  in Feb, 

                   25% —> 10                    (25% increase in savings = 10% decrease in spending)

Savings in Feb  = 125% —-> 50

Monthly allowance = 50+ 90 = 140

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