"l spend the money to plaster my house so l bought 18 bags of cement at 14400 kshs , sand at 6000 kshs, labour for 10000 kshs l also had a loan from a certain NGO of 9000 kshs so l use the money to pay the remainig 10000 kshs l use to buy cow."

"l planning to build my house l have bought 20 iron-sheet at 14000 kshs ,poles at 15000 kshs , l also bought cow at 15000 kshs and 2 sacks of maize at 6000 kshs."

"I am planning to spend my transfer on renovating my house as I will buy five bags of cement that will be used in plastering its walls, I will build a toilet and also part of the transfer I will spend it on buying two cows. The remaining transfer I will spend it on paying school fees for my grandchild and part of it I will spend it on buying food that we eat."

"l spend 15300 kshs to buy cow, l also spend 7000 kshs to buy steel door, l use 5000 kshs to pay school fees, l bought mattress worth 3500 kshs the remaining balance am planning to start cereal business."

"I am planning to clear school fees balance for my children, buy a cow and upgrade my food cafe business using my upcoming lumpsum payment."

"l spend 20000 kshs to pay school fees to my child who is in collage and 10000 kshs to the one who is in secondary school, l also bought cow that l have named after GD worth 13000 kshs ,l also had a loan of 3000 kshs l use the money to repay it, the rest of the amount l use to buy foodstuff."

"I am planning to buy 2 cows and build a house using my upcoming lumpsum payment."

"I used my token payment to buy a cow (8500) and food (1400)."

"I am planning to spend it on buying 3 cows, extend my house and plaster it."

"I plan to buy ironsheet, timber and nails, and build an iron roofed house for myself. I also plan to buy a cow."