"I am planning to buy cement, sand and lime which will be used to plaster my house. I also need to buy household items like a mattress, some cushions for my chairs and utensils. The rest of the money will be used to pay school fees for my two daughters who are in primary school."

"I am planning to plaster my house to prevent dust and so that I don't use much time smearing. I also plan to buy chairs that my visitors can use when they visit and spend the rest on beddings such as a bed and mattress because my chest pains from sleeping on a mat."

"I am planning to spend my transfer on building a toilet when the transfer comes,I will use part of it to buy iron sheets that I will use to build my kitchen,the second transfer I will use to buy household items like a bed, chairs and a mattress and the third transfer I will use to buy iron sheets that will be used to build a bigger house than the one I stay in currently,I will also buy timber and pay masons that will build my house."

"I am planning to spend my upcoming lumpsum payment on plastering my house.I also want to pay school fees and buy a mattress."

"I am planning to spend my transfer on starting a small business of selling vegetables like kales,onions,tomatoes,rice and beans. I will spend part of the transfer on purchasing a mattress and some chairs for my house. I will also use part of the transfer on paying dowry as my husband has not yet paid my dowry."

"I spent my token payment on buying 5 iron sheets,a mattress and a blanket."

"I plan to spend the transfer to build a bigger house. I also plan to spend the transfer to buy a a bed and mattress. I also plan to spend the transfer to buy a cow."

"We plan to spend the transfer to rent a parcel of land that we will utilise for agriculture. We also plan to spend the transfer to buy a mattress and bed being that we currently sleep on a mat. We also plan to spend the transfer to pay school fees for our daughter."

"I am planning to buy a mattress, then pay a debt I owe, I had to take a loan in order to pay school fees for my daughter who is in secondary school. The second transfer I will us to pay school fees for my two children who are in college and another one in secondary school. The third transfer will be used to buy iron sheets which will be used to repair my leaking roof."

"I am planning to buy fishing equipment like nets, some of the money I will use to pay dowry to my dead spouse's parents, because in our culture children are only your own after you pay dowry. The rest of the money will be used to buy household items like a mattress, chairs, a bed and also repair my house and install a steel door."