"I'm planning to build a kitchen and buy a cow."

"I have a plan of buying timber, iron sheets and other building materials then build and move to my new home. Besides , I will spend the remaining amount of my upcoming lumpsum payment on a cow."

"I bought steel door and windows (13000 KES) fascia board (3500 KES), paid school fees (5000 KES), two cow (25500 KES), and two sacks of maize (6000 KES)"

"I spent 30,000 KES to buy two cows, bought cushions at 2,500 KES, school uniform cost me 1,500 and school levies 1,000 KES. I also bought a bag of maize at 2,600 KES and added 5,000 KES to my business capital. The rest of the transfer has been spent on buying daily food expenses."

"I am planning to spend my transfer on building a house and buying some bags of cement that will be used in plastering the floor, I will spend part of the transfer on buying furniture for our house which will include chairs and a table and I will also spend part of the transfer on buying three goats and a cow. The remaining amount I will spend on buying a piece of land that we can use as a farm where we will plant vegetables like kale and tomatoes."

"I am planning to spend my transfer on buying two dairy cows to provide my family with milk and a source of income. "

"I want to extend my main house and fix to it some still doors and windows then buy some cows with my upcoming lumpsum payment."

"l bought furniture at 15000 kshs, cow at 15000 kshs, 2 sacks of maize at 4000 kshs, utensils at 2000 kshs the remaining balance l still hold it in my e -mpesa account."

"I want to extend and plaster my main house with sand and cement and should any amount from the lumpsum payment remains, I would buy a cow."

"l spend the money to plaster my house so l bought sand at 7000 kshs, 6 bags of cement at 5100 kshs labor 2500 kshs, l also bought furniture at 20000 kshs, cow at 10000 kshs the remaining balance use to buy food stuffs."