Thando buys five pens R3,50 each and a ruler for 2,95

To calculate the total cost of the pens, multiply the cost of each pen by the number of pens Thando buys:

5 pens * R3.50/pen = R17.50

To calculate the total cost of the items purchased, including the ruler:
Total cost = R17.50 (pens) + R2.95 (ruler) = R20.45

Therefore, Thando spends R20.45 on the pens and ruler.