If you don't use any quarters, you can use 0 through 7 dimes
and the rest in nickels. That's 8 ways.
If you use 1 quarter, you can use 0 through 5 dimes,
and the rest, if any, in nickels. That's 6 ways.
If you use 2 quarters, you can use 0 through 2 dimes,
and the rest in nickels. That's 3 ways.
And finally you can use 3 quarters. That 1 way.
Total = 8+6+3+1 = 18 ways.
Edwin