Hey!! 
A cell phone company charges $45 a month and hence, this would be constant and would be same the same value. And the company charges $0.25 for every text message. 
Let's take the number of text messages as ' t ' 
The question asks us to find the number of text messages needed to make it $75 for the first month. 
We know, the constant is $45 and we know the number of text messages as ' t ' and we also know the cost of each text messages is $0.25. And with all this given, we can find the total cost which is denoted by ' c '. 
The total cost would be the price of a month added to the cost of text messages. 
The total cost = c 
The price of for month = $45 
The price of text messages = $0.25t
Now, let's form the equation : 
... c = 45 + 0.25t ( this is the equation ) 
The total cost given is $75 
Hence, the equation would be : 
... 75 = 45 + 0.25t 
Subtract 45 on both sides 
... 30 = 0.25t 
Divide 0.25 on both sides 
... t = 120 
Hence, the answer would be option ( D )
Hope my answer helps!!