"I used a portion of my third transfer to pay laborers who built my house since I had bought building materials with the second transfer and also I was living in a very small house hence the need to build a bigger house, I bought ballast, sand and cement which am currently using to cement the house I have built. The remaining amount, I spent to buy sofa set because I did not have decent seats in my house and also bought a cow with the purpose of providing my family with milk"

"I added a cow to the ones I have to rear and used some of the last transfer to add some stock to fish business."

"I spent the larger part of my third transfer on buying sofa set seats 7,000 KES and a cupboard 5,000 KES which I didn't have before . I paid fees for a saloon course 7,000 KES, I believe after completion of this course I will start my own business making me the sole proprietor of the business which will enable me get income that will sustain my family's needs. I also bought a bag of maize for my family's consumption and two goats as well."

"I spent my third transfer on plastering our 4 roomed house for 27,000 KES, which used to give me a hard time because I had to repair it all the time since it was made of mud.The work is not completed but the house looks more decent.I also paid fee for 20,000 KES for our child who joined a parallel Degree Program in Teaching at the local University."

"My husband took some of the last transfer to buy 3 cows and pay my dowry since it a requirement within our custom and we also bought a female cow so that when it gives birth it will give me milk and add to the livestock another cow."

"I spent my third transfer on enlarging my house, repairing and fixing new windows since it did not look decent before and sent my son 4,000 KES since he is jobless and in the process of searching."

"I used transfer to buy sand cement to plaster the floors and the walls this I decided to do because I am old so the struggle of always plastering using mud and cow dung was being tiresome ."

"My daughter had just joined the university taking a course in teaching so when I received my third transfer I paid for her school fees and her shopping. I also paid school fees for my other children too. The remaining I spent on ploghing and growing corn. Even though it did not do well,I managed to get three sacks. Thank you."

"I spent my third transfer on house construction materials for 47,000 KES in readiness to relocate from my father in law'ss land and build on our own land in the month of October to fulfill a requirement by Luo customs and traditions."

"I spent my third transfer on completion of house construction which I started using second transfer, because I needed a big house since my previous one was too small. I spent 70,000 KES in total, thank you."