"I am planning to cement my house because the type of soil we have around is of bad quality and so it's costs a lot of money to buy and transport good soil from other areas every now and again. I also plan to buy chairs so that I'm am not humiliated when I have visitors." (Country: Kenya)

"I am planning to spend my transfer on renovating my house by buying some bags of cement so that we can repair cracks that have emerged on the walls of the house, we will spend part of the transfer on buying a water tank that we can use to harvest water as our area is usually a dry area and faces water scarcity and some part of the cash we will use to buy two bulls that we will use in ploughing our farm." (Country: Kenya)

"I am planning to spend my transfer on paying school fees for my two kids who are in secondary school,two of them are in college and another one who is waiting to join college this year." (Country: Kenya)

"I plan to renovate my house, build a kitchen, buy livestock like cattle and to pay school fees." (Country: Kenya)

"We plan to pay school fees and to buy a ploughing machine for farming." (Country: Kenya)

"I plan to renovate my house, buy a ploughing machine for farming, boost my business and pay school fees." (Country: Kenya)

"I plan to renovate my house, pay dowry and to invest in business, precisely a boutique for my wife to run." (Country: Kenya)

"I have planned to invest my money in a business that is going to be helpful to me" (Country: Kenya)

"We have planned to buy household items since I don't have any chair,then I will build a bigger house that can house my family." (Country: Kenya)

"I have planned to build a kitchen and build a house for my son." (Country: Kenya)