Ricky spends $103. 19 in additional interest and charges on monthly payments as the result of a prior bankruptcy. If Ricky had been able to save this money for one year and then put it into a savings account earning 3. 1% simple interest, how much money could he have in savings after two more years? a. $1,238. 28 b. $1,276. 67 c. $1,315. 06 d. $2,476. 56.