Nested If Statement...

I have a simple spreadsheet here that I want to eliminate as much typing as possible.

What I want is for the Particulars column to either say Charge for Lesson/Books or Payment.

I have setup the data validation in columns H, I, J.

Column H detects if there was a payment by cash or cheque. If there was I get 1 for cash/cheque payment, or it stays 0.

Column I detects if there was a charge and I too get 1.0 for occuring event.

Column J detects if there was a change to column H or I...

So what I want is to have an IF STATEMENT in Column B that would look at each of these columns (H,I,J)...

If Column H > 0 then Column B's text is Payment
If Column I > 0 then Column B's text is Charge for Lesson/Books
If Column J = 0 then Column B's text is Blank

I have attached the spreadsheet if you wish to view...

OK thankyou I was trying

=IF(AND(H2>0,i>0,J2=0),Payment,Charge for Lesson/Books)

with no success...