"I spent the larger part of my third transfer on buying two she-cows as my future assets since I am planning to sell some of the reproduced young ones in future to pay school fees for my children. I bought clothes and household expenditures which I didn't have.I also bought food for my family's consumption."

"I spent my third transfer on plastering our 3-roomed house which we build using second transfer, because we wanted something we will always live to remember.Our previous house used to be very small and made from mud which caused me to labour since I had to regularly work on damages made by rain and wind, which was always difficult."

"I had bought most of the things I lacked using my first and second transfer, so when I received my third transfer I concentrated on buying my kitchen ware. I am happy my kitchen is now well stocked. The remaining amount I used to pay school fees for my daughter who is taking a tailoring course. I am happy she is now self-reliant being that she is acquiring the technical skills needed in the current market and, part of the remaining transfer I spent on food."

"I spent my third transfer on two oxen and and ox-plough which I intended to use in ploughing my farms. Previously I relied on other people's oxen for ploughing which really delayed my farming activities resulting into very low yields. Today as we speak, I am very independent and bothers no one for their oxen. In addition to that, I am able to let people hire my ox-plough and oxen in exchange for cash, a business that has really improved my living standard."

"I spent my third transfer on completing cementing my house that I had started plastering with the second transfer into a semi-permanent house from a mud one and now I am happy staying a clean environment with no dust and insect infestation. I fixed two steel windows and an internal wooden door on it. I also added stock on to my second hand vending business but unfortunately one of the bale was stolen."

"I spent my third transfer on buying a dairy cow and its calf 22,000 KES. I fixed a steel door and two steel windows on my house which I also completed cementing parts that had remained when cementing it with the second transfer,I am now happy living in a clean environment as I no longer get exposed to dust which was likely to predispose my family and I with respiratory infections.I also bought food for my family's consumption"

"I spent most of my last transfer to pay school fees for my two children one in college studying nursing and the other one in high school and the rest of the money I used to buy maize for my consumption."

"I spent my third transfer on buying household furniture. The rest of the money I used on buying irons sheets which I plan to build with in the future. I want to build a house because the one I am currently living in is small and I need a spacious house because of my children."

"I spent my third transfer on construction materials such as 35 pieces of iron sheets, windows and doors that I planned to use in construction of a new house outside my parents-in-laws homestead. The remaining amount of the transfer I spent on boosting my shop business which had not been doing so well in the past due to shortage of operational funds."

"I spent my third transfer on a calf for the purpose of family milk (13,000 KES), a bag of dry corn for family consumption due to the fact that there was poor harvest in the village as a result of drought, and assorted food items(23,000 KES).I also bought family clothing (7,000 KES) and paid primary school fee for our 3 children (7,000 KES) ."