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-\frac{7}{12}+\frac{1}{3}\left(-\frac{12}{5}\right)
Reduce the fraction \frac{4}{12} to lowest terms by extracting and canceling out 4.
-\frac{7}{12}+\frac{1\left(-12\right)}{3\times 5}
Multiply \frac{1}{3} times -\frac{12}{5} by multiplying numerator times numerator and denominator times denominator.
-\frac{7}{12}+\frac{-12}{15}
Do the multiplications in the fraction \frac{1\left(-12\right)}{3\times 5}.
-\frac{7}{12}-\frac{4}{5}
Reduce the fraction \frac{-12}{15} to lowest terms by extracting and canceling out 3.
-\frac{35}{60}-\frac{48}{60}
Least common multiple of 12 and 5 is 60. Convert -\frac{7}{12} and \frac{4}{5} to fractions with denominator 60.
\frac{-35-48}{60}
Since -\frac{35}{60} and \frac{48}{60} have the same denominator, subtract them by subtracting their numerators.
-\frac{83}{60}
Subtract 48 from -35 to get -83.