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-\frac{1}{20}-3
Reduce the fraction \frac{5}{100} to lowest terms by extracting and canceling out 5.
-\frac{1}{20}-\frac{60}{20}
Convert 3 to fraction \frac{60}{20}.
\frac{-1-60}{20}
Since -\frac{1}{20} and \frac{60}{20} have the same denominator, subtract them by subtracting their numerators.
-\frac{61}{20}
Subtract 60 from -1 to get -61.