"I am planning to cement the whole of my main house and spend the rest of my lumpsum payment on buying some cows."

"I am planning to enroll to a driving school and buy a cow using my upcoming lumpsum payment."

"I plan to spend the transfer to construct a new house. I also plan to spend the transfer to buy a cow. I also plan to spend the transfer to buy furniture."

"I plan to spend the transfer to plaster the floor of my house. I also plan to spend the transfer to buy a cow. I also plan to spend the transfer to construct a toilet."

"I am planning to spend my first transfer on buying food and part of it I will spend on buying seeds that I will plant on my farm, the second transfer I will spend on buying two cows that I will spend on paying for dowry for another wife as currently I am a widow and the final transfer I will spend on taking my son to college so that he can be an engineer."

"l want to build latrine so l bought 6 bags of cement at 650 kshs each, paint 350 kshs, sand t 1000 kshs , nails at 300 kshs, l also bought cow worth 10000 kshs, l also use 4000 kshs for medication, l still have some remaining balance."

"I am planning to buy sand, cement, timber, round poles, nails and iron roofing sheets which I will use to build a better house for my family. The remaining transfers will be used to buy household items like chairs and finally I hope to buy a cow."

"I spent my first lumpsum transfer on building a toilet.I also bought a cow,2 goats,chair cushions and maize."

"I plan to start an animal (cow, goats and sheep) business and then start paultry raring in my compound."

"We bought a cow at 15,000 KES, 3 sheep at 6,000 KES, a mattress at 4,500 KES and a bag of maize at 3,000 KES. We also bought iron sheets at 3,000 KES to construct a cow pen and the rest of the transfer will be spent on school fees next term."