"I spent my third transfer on renovating my same old house because I had always wanted to improve it but had no means .I also build a kitchen which I needed badly because I had none and used to cook from the outside . Last, I bought 2 sheep and a goat because I need to create wealth out of them."

"I used a portion of my third transfer on iron sheets, timber and nails which I have used to build a new house because I did not have my own house and was living with my co-wife in her own house, I used a portion to buy a sack of maize for consumption. The remaining amount, I spent on utensils which I did not have and food for my family."

"I spent my third transfer on building a house since I had a small thatched house which couldn't accommodate us with my growing family."

"I used most portion of my third transfer to pay school fess for my child who had stayed home for almost one week since he had been sent home from school and yet I did not have any means of getting him the fee balance which was required. The remaining amount, I spent to buy a cow which will provide my children with milk and also relieve me the burden of buying milk."

"I spent my third transfer on repairing and plastering my existing house because it had become very weak and it also looked ugly. I also build a big kitchen which also serves as a chicken house(47,000 KES)."

"I spent my last transfer on paying school fees for my child who used to be sent home each and every time for fee arrears. I now do not have stress on where to get money for paying her fees. The remaining part of the money I used in the expansion of my current house. My former house was so small and my family members and I used to squeeze ourselves in that small house; this was really uncomfortable. I also bought seats because formerly I never used to have proper seats in my house."

"So as to earn a living I used to hire out a motorcycle from villagers at a very high price. The motorcycle I used to carry people with in the village in order to get money for paying the motorcycle owner and at the same time remain with some to take at home. Immediately I got the third transfer I decided to buy a motorcycle of my own so as to save the money I used to pay the motorcycle owner for hire."

"The biggest hardship which I face in my family is not having oxygen for ploughing.hence has affected my household productivity. "

"The biggest hardship i faced in life is loss of business. This is because I gave my wife to operate produce business at chebukube trading centre and she totally mismanaged it , I lost all the capital to zero level. This has kept my family in poverty."

"Receiving this money means i will buy acow. This cow shall produce milk that I will be selling at the near by centre of chebukube. This will give me money for feeding and other family use."