"I spent the larger part of my third transfer on paying school fees for my three children who are in primary and secondary school and it was a relieve for me since out of paying most of the school fees arrears were settled hence they were not sent home for school fees .I also bought a bag of maize for my family's consumption ."

"I spent my third transfer on completing cementing my house and now I no longer face the challange of smearing my previous mud house which was costly .I also paid school fees for my child who is in high school ."

"I spent my third transfer on paying of dowry .I also bought 10 pieces of iron sheets which I am planning to use on building my own homestead what has been delaying us is the traditional customs which requires the my elderest brother in law to build his first ."

"I spent the larger part of my third on paying school for my child who is boarding high school .The remaining transfer I invested in a commercial tomatoes business on a one acre piece of land and to my suprise I got a profit of 110,000 KES which I used on building a spacious house."

"Receiving this money means that I shall improve on my farming by hiring farms to expand my food production, currently my farm is hardly enough to produce surplus that can be sold to meet fees and medical needs of the family."

"The biggest hardship i face is lack of money for buying oxen."

"The biggest hardship iam facing is lack of enough food for family consumption."

"Receiving this money makes me very excited.This means that I will buy one more dairy cow and expand my livestock farming."

"Receiving this money means that I will now buy a dairy cow which I have been longing for."

"The biggest hardship I face in life is unreliable source of income. Any new day comes with worries since I cannot predict where I shall put food on the table or not. "