"I spent most of my third transfer buying quite a number of livestock that might help me in school fees payment in the future."

"My house was lit by tin lamp which was so dim, and so I spent part of my transfer on connecting my house to electric power. I no longer have to spend money even to charge phone like before. My son also sat his secondary education back in 2004, but he had not taken his certificate because of the pending fees arrears he owed the school, so some money I spent on clearing the arrears and now he has the certificate. The remaining I spent on food for my family consumption."

"I bought building materials using my second transfer, so when I received my third transfer, I constructed a new house. I was in a very squeezed house. At the moment I live in a very spacious house. The remaining amount I spent on buying solar lamp given that I used to use a tin lamp and the cost of kerosene was so high. I am glad my children were able to study without fear of the lamp going off until they sat for their last exams in primary school."

"I spent my third transfer on completion of a house structure that I initiated using second transfer, since my previous house was grass-thatched and leaked badly."

"I spent my third transfer on building a 2 room house for 35,000 KES since my previous house leaked due to rusted iron sheets and housing was an emergency. I also cleared Secondary school fee arrears for my child for 10,000 KES."

"It was a big relief when I received the transfer because I am now a debt free man. we eat well nowadays compared to before when we could go a day without a meal."

"I wanted to build a new house given that my old house was so squeezed and I did not like the design. So when I received my third transfer, I bought building materials that I used to build a new spacious house with a new design. I now have nice house with nicely fitted glass windows and steel door."

"My third transfer really helped me a lot. This is after my daughter-in-law left with my 2 grandchildren since my son could not afford to pay her dowry. With the money, I managed to buy 2 bulls and used them to pay the dowry which enabled me to get back the daughter-in-law and the grand-children."

"I have two children in secondary school. I have a relative who used to support me in school fees payment, so when I received my third transfer, I spent most of my third transfer on paying the fees. I did not have to borrow from her. My relative was even surprised that I did not ask her for any money this time around. The remaining I spent on starting a tailoring business where I get daily income to support my family."

"My husband used to do livestock business, but it collapsed due to lack of funds,so when I received my third transfer I gave my husband 20000 KES,to revive the business. The business is not doing well though, but we are surviving on it. The remaining amount I spent on building my house. I used to stay in a very squeezed house that could not accommodate me and my growing family. I now have a four roomed house."