"In the next life I will have enough food, I will no longer be a laughing stock in the society. Moreover, I will no longer have to go into the lake and fish the whole night for my family to eat."

"I spent part of my third transfer on finishing up the construction work which I had started using the second transfer. I am glad that I live in a spacious house which I nolonger view as a kitchen due to its small size. I also paid school fees for my sister in high school who I had been supporting and bought food that I also shared with the people who were constructing my house."

"I spent my third transfer in paying school for my child who is in university, because I had school fee balance and I wanted to clear. I bought iron sheets and cement that I used in expanding my house because it was too small to accommodate my family members."

"I spent the last transfer I received to buy livestock for rearing as a financial security for my family and bought building materials towards building a pit latrine which I did not have."

"I spent my third transfer in paying school fee for my children in secondary school because I had a huge fee balance and also I did not want them to be sent home for fee balance. I also bought house hold items and food that we ate as a family."

"I spent my third transfer in putting up a home because that was my dream and my age mates in my village, all most all are in there own homes. I was feeling uncomfortable because as per my age I was the only one who had not build her home.I am now happy and very grateful to give directly for having helped me achieve my dream. I also bought house hold items."

"I spent my third transfer 20,000 KES to treat my mother who suddenly fell sick and unfortunately she passed away. The remaining amount I spent to finish my building project that I had started with my previous transfers. I purchased building materials like nails, timber and iron sheet."

"I bought building materials that I used to expand my house because it was too small and could not comfortably accommodate my growing family.I also bought a cow worth 15000 KES because it acts as my savings since I can sell it when I experience any financial crisis."

"I spent part of my third transfer on purchasing a steel door which I intend to fix because I believe it is stronger that the wooden door which I currently have. I also bought a cow for milk prodution when it gives birth and hopefully I will give my sons the calves to pay as dowry. The remaining amount went on food that we enjoyed as a family."

"I bought three goats worth 10000 KES because they multiply very fast, and I could sell their siblings to get money in case I have any financial crisis. I also plastered my house because the floor was too dusty."