"I used my last transfer to buy two sheep I did this as a form of saving or investment so that when they give birth it would be an added advantage, I also paid school fees for my daughter in high school, she is my first born so I know when I educate her she will educate her siblings in future. I bought cement for plastering the walls and the floor of the house the dust that was coming from the walls and ground floor without cement gave us respiratory problems, then my wife had started a small business of selling seedlings and groceries in a market nearby so I added some of the amount to her capital to boost her stock, lastly I also installed electricity in my house I paid an electrician to do the wiring and everything that involves electricity."

"This money has brought a big difference in my life. It has enabled me to purchase things that i did not have before like beddings, kitchen utensils, a cow. I also eat good food and the business i opened for my daughter generates some income to my family."

"The biggest difference in my life now is that I sleep comfortably in a descent house."

"I spent a portion of my third transfer on 20 pieces of iron sheets, 3 windows and a metallic door which I'll use to establish my own home since I'm still living in my father in-law's compound. Besides, I'm still having 10,000 KES which I'll invest in some business."

"I added my last transfer to my second transfer then build an iron roofed house in my dad's compound since I was only living at the nearby trading because I could not afford to establish a house due to lack of money. I purchased bedding, furniture and other household items with the rest of the money."

"I had started constructing a house ,but I did not complete so when I received my third transfer, I bought cement that I used to plaster my floor that was earthen. The remaining amount I spent some on paying school fees for my children who are in primary and secondary schools. I also started a mini kiosk business that is helping me take care of my family basic needs."

"I used my last transfer to buy materials for building I bought iron sheets and round poles then I paid school fees for my sons who one is doing his final examination for the O levels and another one in form three."

"I spent part of my third transfer on paying school fees for my children in secondary. I cleared the arrears and the year ended without them being sent out of school for school fees, some of it I spent on buying furniture. When I had visitors, I used to get embarrassed as I always had to borrow seats. I am glad I no longer have to borrow. The remaining I spent on buying corn for my family consumes, after a long time we had a feast without having to struggle so much."

"I spent my third transfer on windows and doors for 22,000 KES that were fixed on our house build earlier . I also bought 2 goats for 6,000 KES that I want to rear for wealth. I spent the balance on a bag of dry corn for family consumption since we did not have a harvest as a result of drought."

"I bought cement, door frame and door, primer, six liters of paint, and other building materials now I have a big house and I will not worry about plastering with cow dung, my last transfer was used mostly in building."