"My life is different than it would have been in that I could have still been staying at my relatives place in a house that was in a very bad condition ."

"I spent my third transfer on buying a bull for ploughing and also paid school fees for my children in secondary school. I had three children in school and paying school fees was so quite hectic given my menial jobs."

"I spent my third transfer on building a new house since the previous one located near the lakeside had cracks all over and this meant smearing it during raining seasons which was very expensive spending 1000KES for a the work done. Right now I can use the amount in paying school fees or even buy books for my child, I am very happy because I no longer think about smearinng it anymore."

"I spent my third transfer on buying cement and sand that I used to plaster my newly built house using my second transfer. The remaining amount I spent on paying school for my granddaughter who is in secondary school and to plough my piece of land where I grew some corn."

"I spent my third transfer on buying some furniture for my living room, I also spent some of the money on buying extra bedding for my visitors. The remaining I spent on corn for my consumption."

"The biggest hardship I have faced in my life is lack of school fees which prevented me from studying beyond primary school.I feel I could have been a better person in terms of getting income if I had at least completed secondary education."

"The biggest hardship I have faced in my life is difficulty in feeding my family and even educating my children.This is due to lack of enough money from my little farm work."

"The achievement I am proudest of in my life is being a farmer.This has hepled me pay school fees for my secondary and college education."

"My achievement i am prousest of is i have managed to increase the size of land. Initially i used to lease the land which i used to plant maize and over time, i had saved enough to buy another land."

"In 1988, my piece of land in Transmara was grabbed by unknown individuals and this rendered me landless. This made me move from being a land owner to a tennant. "