"In 1996, I leased some land and planted maize. Fortunately, I realized a good harvest which enabled me to buy a cow. In 1998, I sold the only cow to pay my hospital bill. I find that as the greatest achievement I am proudest of because I attained quality medical attention which could otherwise be unaffordable given the poor financial condition of my family."

"I spent my third transfer on cementing my flour since previously I could smear it everymonth which was hectic. I also bought a solar lantern and I can say that I nolonger use KES 20 everyday to buy paraffin. Part of the money also went towards clearing fees for my child in high school and food that we ate as a family. Finally, I sent my mother KES 5000 which she used for hospital bills."

"I spent 30,000 KES to pay school fees for my daughter a form three. Some part was used to settle her fee arrears while the rest settled the current fee balance. I also bought a sofa seat at 7,000 KES and the remaining amount I spent on my farming, I bought seedlings and fertilizer to enhance a quality product and finally spared some amount to buy food for my household."

"I bought iron sheets worth 23000 KES because I wanted to build my own house.I did not have a house since we were staying in a rental house and paying rent sometimes is not easy due to no stable income.I saved the remaining amount with an intention of paying fee for my son who is soon joining form one."

"I spent my last transfer on buying more cement to plaster my incomplete house,spent some on buying fishing nets for my fishing business.I also paid school fees for my children,bought clothes for my children and food for family consumption."

"I spent my third transfer on building a kitchen so as to have a separate cooking place which my children are nowardays also using it as a sleeping room. I also bought two sheep which are my first set of cattle to own and decent shoes, clothes and uniforms for my seven children who had old ones. Lastly, I managed to prepare 4 acres of land unlike before where I use to prepare 1.5 acre and this has translated to more produce this time round."

"I spent my third transfer to pay school for my child who is in secondary school because I wanted to clear fee balance and I didn't want her to be sent home for fee.I also bought iron sheets and cement with an intention of putting up a home."

"I got my third transfer when my wife died so I used it in burial preparation because I had no money at the moment. I am very grateful for give directly for having helped me give my lovely wife a very nice send off."

"I have not added any new goal to the one I had before."

"I spent the transfer I received to buy livestock for my wife's traditional marriage. The rest I added more iron sheets to build a new house as I had an old one."