"I spent my third transfer on buying building materials that I used to build a new house. My previous house was too squeezed for me and my family. I also bought a heifer that I am rearing for any future eventualities."

"Sometimes back my spouse planned to pay my dowry unfortunately we had an urgent issue which we had to solve. We then used the money which was meant for dowry to sort out the urgent issue. When we received the third transfer we agreed to use it in paying my dowry. I now feel happy and comfortable he legalized our marriage.."

"I used my third transfer to build a house for teenage boys and paid my school fees for my children, I also bought 5 goats and start a business of selling fish."

"I took a certificate course in Early Childhood Development and I always wanted to advance, but I did not have the money to do so, so when I received my third transfer, I went straight and enrolled for a Diploma. I am happy that I am almost clearing the course come December and I will be lecturing too after that. The remaining I spent on buying a cupboard and utensils for my kitchen. I have face-lifted my house that was not so good-looking before."

"I spent my third transfer on buying glass windows and steel doors that I have since fitted in my house. It is now nice and presentable that it was before when the windows were covered with rags. The remaining amount I spent buying a sheep that I am rearing."

"The biggest difference in my daily life now is having a peace of mind without worrying about the next day and i feel energized in life."

"I had school fees arrears so when I received my third transfer I paid school fees for my children and bought food for my family, I also set a fish business for my daily income."

"I have been using tin lamp and I always feared of that it could burn the house down as it is was very risky. The smoke it always emitted was also very unhealthy as the children could cough frequently. This is a gone case as I spent part of my third transfer on buying a solar lamp. I also spent some on paying school fees for the orphans that were left under my care after their parents passed on. I also bought food for my family consumes. My living standards have gone up."

"I spent my third transfer on buying cement and sand that I used to plaster my house that was earthen. My old age could not allow me to smear any more. I am happy I no longer have to smear with cow dung."

"I spent my third transfer on building a 2 room kitchen that also serves as a sleeping place for our children who used to sleep in their grandmother's house which is a little far and was inconveniencing to us all since again it was not safe for them.I also paid Secondary school fee for our child for 10,000 KES to facilitate consistent learning."