What time is it?

There two how to tell TIME in English:

Formal but Easier
The first one is Say the hours first and then the minutes.

     For example :  06.15 ---- It`s six fifteen
                            07.45 ---- It`s seven forty five
     For minutes 01 through 09, you can pronounce the '0' as oh.
                            10.05 ---- It`s ten (oh) five
                            12.07 ---- It`s twelve (oh) seven

More Popular Way
Say the minutes first and then the hours. Use past and the preceding hour for minutes 01 through 30. Use to and the forthcoming hour for minutes 31 through 59
     For example :  06.15 ---- It`s fifteen past six
                            07.45 ---- It`s fifteen to eight
                            08.10 ---- It`s ten past eight
                            12.20 ---- It`s twenty past twelve
                            05.40 ---- It`s twenty to six

NOTE : 15` = a quarter
             30` = a half
    For example :  05.15 ---- It`s a quarter past five
                           09.30 ---- It`s a half past nine / It`s a half to ten
                           10.45 ---- It`s a quarter to eleven

NOTE : Use o'clock only at the full hour
    For example : 04.00 ---- It`s four o`clock
                          05.00 ---- It`s five o`clock
                          09.00 ---- It`s nine o`clock 

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