"I plan to spend the transfer to complete my course in hairdressing. I also plan to spend the transfer to pay school fees for my younger sister who is in high school. I also plan to spend the transfer to start my own hairdressing business."

"We plan to pay school fees, build a home and to invest in business."

"I spent my token payment on buying a mattress, & paying school fees. I bought school uniform for my children and bought household items like utensils."

"I am planning to spend my upcoming lumpsum payment on building a house. I will buy additional building materials. I will pay school fees for my 2 children and buy livestock’s."

"I am planning to spend a portion on school fees because my children are still learning.I am also planning to plaster my house especially the exterior part of it to prevent the soil from being washed away by rain."

"I would like to hire a portion of farm land so that I can plough it inorder to produce food.I would like to spend a portion of my transfer on school fees because I am supposed to pay fees for my son who is at the University."

"I am planning to spend my transfer on school fees.I am also planning to construct a pit latrine since I don't have one.Lastly,I'm planning to spend the remaining portion on farming so that I may get enough food."

"We plan to spend the transfer to expand my house to accommodate the family. We also plan to spend the transfer to pay school fees for our two children in school."

"I spent my token payment on buying a 210 ml water super drum and a goat. I paid 2,000KES for my group loan table banking and 2,000KES, for my child school fees."

"I am planning to spend my upcoming lumpsum payment on building a house, paying school fees for my four grandchildren, farming, buying food and a cow."