"I spent my third transfer on plastering our 3 room house for 30,000 KES to make the walls stronger thus protecting them from being washed off by rain water as has been the case in the past .I also bought an oxen for 15,000 KES that will make ploughing easier and production of food more effective."

"I used my last transfer to build a house I bought iron sheets, timber, nails and paid the builders, so I can say most of my last transfer went to building and the remaining money we used to buy food in the house."

"I used my last transfer to plaster the floor and the walls of my house so i bought cement and sand to help me do this and paid the constructors, I did this because it is hard to find a suitable soil to plaster the walls and when it rains the walls fall off and constantly need to renovate with the same soil making it a cycle and it is tiring. the remaining money we used to buy food for the family and clothes."

"I had a small house which couldn't accommodate us well with my growing family, so I use my third transfer so I built a house and pay school fees for my children."

"I used my third transfer to start a fish business and bought food for my family,I also plaster my house and bought 3 goats with the remaining transfer."

"I used my last transfer to buy a motorbike to help bring me an income in the house in the process I have employed someone to ride it and brings me collection at the end of the day I did this to help me continue with daily work of building to also bring an extra income."

"I used my last transfer to build a kitchen which I petitioned with a curtain which acted as a bedroom for the children to sleep in then I bought sofa sets, table, utensils and other house hold goods. Later on we teamed up with another lady to open a small restaurant in a nearby town a way to give me an income."

"I used my third transfer to buy building materials which I used to plaster my house and use the remaining transfer to boost fish business."

"I used my third transfer to plaster my house and start a fish business to earn my daily upkeep, I also pay school fees for my children and bought food for my family."

"I used my last transfer to add iron sheets, paid the builders and bought some timber to add to the ones I had before to build a house this is because my house was licking when it rained.The rest of the amount we used for food."