OK, let's crack this. We're given 248 and our task is to multiply it by 195. Essentially, we'll be adding 248 to itself 195 times.
Step 1: 0 + 248 = 248
Step 2: 248 + 248 = 496
Step 3: 496 + 248 = 744
Step 4: 744 + 248 = 992
Step 5: 992 + 248 = 1240
Step 6: 1240 + 248 = 1488
Step 7: 1488 + 248 = 1736
Step 8: 1736 + 248 = 1984
Step 9: 1984 + 248 = 2232
Step 10: 2232 + 248 = 2480
Step 11: 2480 + 248 = 2728
Step 12: 2728 + 248 = 2976
Step 13: 2976 + 248 = 3224
Step 14: 3224 + 248 = 3472
Step 15: 3472 + 248 = 3720
Step 16: 3720 + 248 = 3968
Step 17: 3968 + 248 = 4216
Step 18: 4216 + 248 = 4464
Step 19: 4464 + 248 = 4712
Step 20: 4712 + 248 = 4960
Step 21: 4960 + 248 = 5208
Step 22: 5208 + 248 = 5456
Step 23: 5456 + 248 = 5704
Step 24: 5704 + 248 = 5952
Step 25: 5952 + 248 = 6200
Step 26: 6200 + 248 = 6448
Step 27: 6448 + 248 = 6696
Step 28: 6696 + 248 = 6944
Step 29: 6944 + 248 = 7192
Step 30: 7192 + 248 = 7440
Step 31: 7440 + 248 = 7688
Step 32: 7688 + 248 = 7936
Step 33: 7936 + 248 = 8184
Step 34: 8184 + 248 = 8432
Step 35: 8432 + 248 = 8680
Step 36: 8680 + 248 = 8928
Step 37: 8928 + 248 = 9176
Step 38: 9176 + 248 = 9424
Step 39: 9424 + 248 = 9672
Step 40: 9672 + 248 = 9920
Step 41: 9920 + 248 = 10168
Step 42: 10168 + 248 = 10416
Step 43: 10416 + 248 = 10664
Step 44: 10664 + 248 = 10912
Step 45: 10912 + 248 = 11160
Step 46: 11160 + 248 = 11408
Step 47: 11408 + 248 = 11656
Step 48: 11656 + 248 = 11904
Step 49: 11904 + 248 = 12152
Step 50: 12152 + 248 = 12400
Step 51: 12400 + 248 = 12648
Step 52: 12648 + 248 = 12896
Step 53: 12896 + 248 = 13144
Step 54: 13144 + 248 = 13392
Step 55: 13392 + 248 = 13640
Step 56: 13640 + 248 = 13888
Step 57: 13888 + 248 = 14136
Step 58: 14136 + 248 = 14384
Step 59: 14384 + 248 = 14632
Step 60: 14632 + 248 = 14880
Step 61: 14880 + 248 = 15128
Step 62: 15128 + 248 = 15376
Step 63: 15376 + 248 = 15624
Step 64: 15624 + 248 = 15872
Step 65: 15872 + 248 = 16120
Step 66: 16120 + 248 = 16368
Step 67: 16368 + 248 = 16616
Step 68: 16616 + 248 = 16864
Step 69: 16864 + 248 = 17112
Step 70: 17112 + 248 = 17360
Step 71: 17360 + 248 = 17608
Step 72: 17608 + 248 = 17856
Step 73: 17856 + 248 = 18104
Step 74: 18104 + 248 = 18352
Step 75: 18352 + 248 = 18600
Step 76: 18600 + 248 = 18848
Step 77: 18848 + 248 = 19096
Step 78: 19096 + 248 = 19344
Step 79: 19344 + 248 = 19592
Step 80: 19592 + 248 = 19840
Step 81: 19840 + 248 = 20088
Step 82: 20088 + 248 = 20336
Step 83: 20336 + 248 = 20584
Step 84: 20584 + 248 = 20832
Step 85: 20832 + 248 = 21080
Step 86: 21080 + 248 = 21328
Step 87: 21328 + 248 = 21576
Step 88: 21576 + 248 = 21824
Step 89: 21824 + 248 = 22072
Step 90: 22072 + 248 = 22320
Step 91: 22320 + 248 = 22568
Step 92: 22568 + 248 = 22816
Step 93: 22816 + 248 = 23064
Step 94: 23064 + 248 = 23312
Step 95: 23312 + 248 = 23560
Step 96: 23560 + 248 = 23808
Step 97: 23808 + 248 = 24056
Step 98: 24056 + 248 = 24304
Step 99: 24304 + 248 = 24552
Step 100: 24552 + 248 = 24800
Step 101: 24800 + 248 = 25048
Step 102: 25048 + 248 = 25296
Step 103: 25296 + 248 = 25544
Step 104: 25544 + 248 = 25792
Step 105: 25792 + 248 = 26040
Step 106: 26040 + 248 = 26288
Step 107: 26288 + 248 = 26536
Step 108: 26536 + 248 = 26784
Step 109: 26784 + 248 = 27032
Step 110: 27032 + 248 = 27280
Step 111: 27280 + 248 = 27528
Step 112: 27528 + 248 = 27776
Step 113: 27776 + 248 = 28024
Step 114: 28024 + 248 = 28272
Step 115: 28272 + 248 = 28520
Step 116: 28520 + 248 = 28768
Step 117: 28768 + 248 = 29016
Step 118: 29016 + 248 = 29264
Step 119: 29264 + 248 = 29512
Step 120: 29512 + 248 = 29760
Step 121: 29760 + 248 = 30008
Step 122: 30008 + 248 = 30256
Step 123: 30256 + 248 = 30504
Step 124: 30504 + 248 = 30752
Step 125: 30752 + 248 = 31000
Step 126: 31000 + 248 = 31248
Step 127: 31248 + 248 = 31496
Step 128: 31496 + 248 = 31744
Step 129: 31744 + 248 = 31992
Step 130: 31992 + 248 = 32240
Step 131: 32240 + 248 = 32488
Step 132: 32488 + 248 = 32736
Step 133: 32736 + 248 = 32984
Step 134: 32984 + 248 = 33232
Step 135: 33232 + 248 = 33480
Step 136: 33480 + 248 = 33728
Step 137: 33728 + 248 = 33976
Step 138: 33976 + 248 = 34224
Step 139: 34224 + 248 = 34472
Step 140: 34472 + 248 = 34720
Step 141: 34720 + 248 = 34968
Step 142: 34968 + 248 = 35216
Step 143: 35216 + 248 = 35464
Step 144: 35464 + 248 = 35712
Step 145: 35712 + 248 = 35960
Step 146: 35960 + 248 = 36208
Step 147: 36208 + 248 = 36456
Step 148: 36456 + 248 = 36704
Step 149: 36704 + 248 = 36952
Step 150: 36952 + 248 = 37200
Step 151: 37200 + 248 = 37448
Step 152: 37448 + 248 = 37696
Step 153: 37696 + 248 = 37944
Step 154: 37944 + 248 = 38192
Step 155: 38192 + 248 = 38440
Step 156: 38440 + 248 = 38688
Step 157: 38688 + 248 = 38936
Step 158: 38936 + 248 = 39184
Step 159: 39184 + 248 = 39432
Step 160: 39432 + 248 = 39680
Step 161: 39680 + 248 = 39928
Step 162: 39928 + 248 = 40176
Step 163: 40176 + 248 = 40424
Step 164: 40424 + 248 = 40672
Step 165: 40672 + 248 = 40920
Step 166: 40920 + 248 = 41168
Step 167: 41168 + 248 = 41416
Step 168: 41416 + 248 = 41664
Step 169: 41664 + 248 = 41912
Step 170: 41912 + 248 = 42160
Step 171: 42160 + 248 = 42408
Step 172: 42408 + 248 = 42656
Step 173: 42656 + 248 = 42904
Step 174: 42904 + 248 = 43152
Step 175: 43152 + 248 = 43400
Step 176: 43400 + 248 = 43648
Step 177: 43648 + 248 = 43896
Step 178: 43896 + 248 = 44144
Step 179: 44144 + 248 = 44392
Step 180: 44392 + 248 = 44640
Step 181: 44640 + 248 = 44888
Step 182: 44888 + 248 = 45136
Step 183: 45136 + 248 = 45384
Step 184: 45384 + 248 = 45632
Step 185: 45632 + 248 = 45880
Step 186: 45880 + 248 = 46128
Step 187: 46128 + 248 = 46376
Step 188: 46376 + 248 = 46624
Step 189: 46624 + 248 = 46872
Step 190: 46872 + 248 = 47120
Step 191: 47120 + 248 = 47368
Step 192: 47368 + 248 = 47616
Step 193: 47616 + 248 = 47864
Step 194: 47864 + 248 = 48112
Step 195: 48112 + 248 = 48360

So, 248*195 = 48360