"The biggest hardship we have faced as a family is the unfavorable climatic conditions and tropical diseases that adversely affect our crops. We are interested in farming to supplement our income. So, currently we are struggling to sustain ourselves because my wages (as a teacher) cannot adequately suffice our needs."

"As a family, the biggest hardship we have faced is the lack of white-collar jobs despite the acquisition of valuable skills and knowledge. My husband is a trained teacher, yet I am a professional social worker. Unfortunately, we have never managed to secure any formal employment, something that has made us lead a relatively substandard lifestyle."

"I have been struggling with my family since I lost my husband and due to my age I cannot do much that will help us get food for us. My daughter had to stay at home due to lack of money to pay her school fees."

"I was married in a polygamy family and my husband does everything to both families, I have admired to do my own things in the family to earn a living, this dairy farming will boost my income at home."

"I currently live in a old grass thatched house that is licking.Receiving this money means a decent housing for my family. I intent to use $ 500 to build a timber walled house and $ 300 to purchase an additional dairy cow for the income generation and household use . Additionally, I will spend $200 on school fees for my son and the rest on food and clothing for the house."

"From the year 2003 to the year 2013, I had been struggling to make ends meet in my life, engaging in all sorts of casual jobs and farming. I had just finished my college and I already had my three children thus giving them education, food or clothing was stressful since I had no income. To me lack of job from the year 2003 to 2013 was the biggest hardship I have ever faced in my life."

"When I received my transfer, I spent around KES 35000 to build a more spacious house for my family. I settled on this since the one we had was small and could not accomodate us comfortably. This was after I had bought five three-seater seats and it could not even fit into my living room. Also, I spent KES 13000 to purchase three goats. These are investments to me that I can rely on in case of financial challanges as I can easily convert them to cash. I spent the remaining amount on food and some household necessities."

"When I received my transfer, I set aside KES 20,000 that I am planning to use in paying school fees for my children when the schools reopens. I settled on this so that when they resume, they will not be sent back home. Also, I spent KES 10,000 on farming by hiring a tractor for land preparation purposes. In addition I bought an oxen worth KES 15,000. I decided on this so that I will not be hiring a tractor for tilling purposes. Using the remaining amount, I bought someo food to last my family for some time."

"My intentions now is to renovate our house and buy a plastic water tank (Kentank) to help us harvest rain water and avoid perennial water shortages. I will therefore budget $150 for renovation and $200 to buy Kentank. I will also buy a dairy cow with $300 as it will enable tap income through sell of milk. My husband has Kiosk and I will give him $200 to buy more stock to the enterprise, the remaining $150 I will use to buy clothing and food for my family."

"The biggest hardship I have faced in my life is lack of money to meet my family's basic needs such as proper healthcare, School fee's and foodstuffs. Since I depend only in buying and selling of livestock, when COVID-19 cases ware reported and livestock auction was stopped, life has been hard for me, getting daily meals has been a bigger challenge."