"After teaching for the longest time,i went on retirement seven years ago and my children were still young and in school.i had not invested enough and now i am still struggling to get enough money to pay for their school fees.Two of my sons are still in university and tertiary college and their school fees totals upto Ksh 180,000 per year.I get stressed up when i see them staying at home for lack of school fees because it means they lag behind in schooling."

"The biggest hardship I have faced in my life is food insecurity.This is because rains are erratic not enough leading to poor yields.I am a housewife and my husband depend on casual labor that earns him very little.Due to this I have been struggling to get food for my household forcing me to skip meals, situation that does I really dislike."

"The biggest hardship is financial constraints. I'm a farmer and for the last few years amount of rainfall in the area has been very low hence no production from the farm. The little I havest goes for food and I don't get surplus to sell hence doesn't allow me to save or cater for other family needs like better housing and clothing's."

"My biggest hardship is financial constraints. As a house wife and seeing my husband struggling to meet our basic needs and me not having a way of helping him, the little my husband gets goes for food and clothing's hence we can't develop the family to another level."

"The biggest harship I've faced is my living conditions. I need a matress to sleep on, I also have to paint my house, buy cement for the floor and also roof my house with iron sheets."

"Receiving this money will allow me to improve my house, it has a crack by the door so I want to fix that. I also need cement for my floor for me to be satisfied with my house."

"Receiving the money will allow me to improve my house, i want to buy cement and plasta my house. I also need to buy more blankets for my family."

"We should appreciate that agriculture is the back bone of our economy, and we do depend on it for our days to day life. The climatic changes have proofed otherwise for there have been adverse cases of drought and hunger in our lands.Despite cultivating the farm well, I have have been unable to harvest making food insecurity my biggest hardship.For instance,at the moment ,I have maize at the farm but it's unproductive because of the harsh climate and diseases."

"I have always wanted to build a decent house for my family. The one I currently have is small one bedroom house , and doesn't fit my children to sleep and study. The 2 teenage girls sleep in the kitchen (a separate house ) ,and I feel this is insecure for them.Receiving this money means that I will be able to expand the current house (200usd) as the children will get some place to study and to rest as well.I will spend (500usd) of the transfers on purchasing a dairy cow for I currently buy milk (0.3usd a litre) per day which is way costly. Furthermore, the milk will be used for the household and the rest sold to feed my family.The rest of the transfers will be used to educate my 4 children."

"I currently own a 1 acre land that is largely occupied by the house, the remaining smaller piece doesn't produce enough to feed the family.Receiving this money means purchasing and additional land 0.3 acres (100usd) that will be cultivated and the produce sold to educate my children and some to feed my family."