"I used my third transfer to buy iron sheets, timber and nails which I used to build my new house because the house I was living in was old and the roof was almost falling down. I bought sand and cement to plaster my new house because I was tired of looking for cowdung to smear my house. The remaining amount, I spent to on a cow with main purpose of selling her young ones to get money for school fees for my children in future and also bought one and a half sack of maize for consumption."

"I have been sleeping on a mat on the floor so when I received my third transfer, I bought a bed and bedding. I am now able to sleep on a more comfortable place, I also bought a cow that will help me with production. At least I will no longer have to buy milk which was also rare as I only could only afford when I had the money. I am happy and grateful for the money I received."

"I spent my third transfer on cementing my house into a semi- permanent one and now I no longer incur frequent costs of smearing my previous mud house. I bought a bag of maize for my family's consumption.I also paid school fees for my three children who are in primary school."

"I spent my third transfer on a second hand motor cycle for transportation business for my husband who used to suffer a lot and did casual work yet ends were not meeting.I spent 45,000 KES."

"I used a portion of my third transfer on household furniture because I did not have decent seats in my house. I bought steel door and steel windows which I have fixed on my house because they are durable, I bought bedding since I had a metal bed which was worn out. The remaining amount, I spent on food and other household items which I did not have."

"I used my last transfer to build a house and move from my fathers homestead then after building my in laws came visiting so we also used part of the money to welcome them home."

"I spent the larger part of my third transfer on expanding my house into a spacious three roomed one that accommodates my family members comfortably.I bought a sofa set seat. I also started a small hotel business and now I am not a housewife who depends on her husband for money, truly speaking it feels so nice to be an empowered woman who can assist the family's need with ease."

"I used a portion of my third transfer on steel door and three steel windows which I have already fixed on my house to make it look beautiful, I bought a cupboard for my spouse to store her utensils. I spent some amount to pay school fees for my children who are in academy because I had fee arrears and I did not want them sent home for school fees, I bought two sacks of maize for consumption. The remaining amount, I spent to on two goats for rearing."

"I spent my third transfer on redeeming my High School Certificate for 20,000 KES, that had been held in my former school by the Authorities due to fee debt since 2009. I have saved some 10,000 KES to enroll for an ECED (Early Childhood Educational Development) Course come December 2017, to enable me get a serious and regular job in future. . I then bought a bull for 15,000 KES that I am raising to support food production in future."

"Its been 10 years living in a ''come we stay relationship '' with two children ,this is because my husband had no money to formalize our relationship as the traditional customs says as a result of this my husband was disrespected with his in-law hence I spent the larger part of my third transfer paying off my dowry 30,000 KES . I bought three goats and two sheep.I also paid school fees for my two children who are in primary school."