"I spent part of my third transfer on plastering the floor of my house which I must mention had become a very big challenge repairing all the time it got damaged. Secondly, I paid school fee for my daughter who was by then pursuing a beauty therapy course in Nairobi. Lastly, I purchased a cow as an investment that I knew would one day help me meet my financial crises."

"I spent my third transfer on plastering and applying rough caste to our 2 roomed house for 30,000 KES which I had build using my second transfer since our old house was very small and it used to be an embarrassment and yet we could only make enough to eat on a daily basis and no savings. I also build a pit latrine for 5,000 KES as we never had any and used a borrowed one.The balance I spent on 2 goats for 5,000 KES to raise an income in future."

"I spent a portion of my third transfer on paying school fee for my orphaned nephew whose parents passed on 12 years ago leaving him under my care. They left quite a number of children who have all been under my care despite just being a cook in a nearby school. The remaining portion of the transfer I spent on foodstuff and other household items such as utensils and seats."

"I spent my third transfer on building my own homestead since before the transfer I was staying at my parent's -in- law homestead in a grassed thatched leaky house and my children had reached of age without a place to call their home it was a painful situation for me as their parent .I paid school fees arrears for my two daughter to enable them acquire their high school certificate which had been with held for two year now.I also paid medical medical bills for my ailing child and now she is better of health"

"I spent my third transfer on sweet potatoes and second hand clothes business for 10,000 KES to sustain my family. I then bought seats for 12,500 KES, bedding and a mattress for my family for 8,000 KES. I saved some 10,000 KES part of the money for a rainy day since I am widow.t"

"I spent most part of third transfer on buying building materials that I used to construct kiosks which I have rented out. At least every month I get some income from them. The remaining spent on buying two sheep that I am keeping. They might help me in the future if need arise."

"I had started constructing a permanent house, but I did not finish because I did not have the money, so when I received my third transfer, I spent on buying iron sheets, glass windows and steel doors that I have since fixed. Even though the finishing is not complete the basics are done and I have since moved in. I also bought food using some money for my family consumes."

"I spent a portion of my third transfer on construction of an extra house for hosting my visitors and other household items which could not fit in my main house. I also purchased a bull that I intended to use in ploughing of my farms. Previously, I did manual tilling which was very slow and tiring. This therefore meant that I had to do a small scale farming which never gave me enough yields. I am glad that I no longer suffer from such, I easily till my land."

"I spent my third transfer on a heifer and 2 goats that were paid as bride price to my parents for 31,000 KES , as a fulfillment of traditions. I added my business stock fro 5,000 KES. I supplemented my younger sister's College fee for 2,000 KES , and spent the balance on miscellaneous items."

"I used a portion of my third transfer to buy iron sheets, timber and nails which I have used to build a house because I was living in a house which was infested with termites and was almost falling down. I bought steel door and steel windows because they are beautiful and which I have fixed on my house. The remaining amount, I spent on a bed and a mattress because my bedding were out and also food for my laborers and my family."