"When I got my last transfer I used most of it and paid fees for my two children who are in high school one who is in form four and the the other one in form two , I also took 7000 Kes to help me in leasing a farm , buying seedling and ploughing the remainder of the cash I used to buy a mattress because my old one was old and worn out."

"I had a small house that couldn't accommodate us with my growing family, so I spend my third transfer to build a new house."

"I spent my third transfer on buying a motor cycle (90,000 KES, of which 50,000 KES had been saved from second transfer ) . The motor cycle is for transportation business because I wanted to start an activity that would generate income for my family.This is necessitated by the fact that I am a mason and there are times I do not get work, so the income from my motor cycle business comes in handy."

"I spent a portion of my third transfer on acquiring an ox-plough for use on my farms. Previously I relied on other people's ox-plough which caused me a lot of delays resulting into very poor harvests. I am more happy today since I am able to plough my farms on time which has subsequently resulted into very good yields. Besides that, I constructed a new house with a different model since the one I had before was very tiny and prone to damages by rain water. Honestly, I have moved a step higher that I couldn't have acquired on my own."

"I spent my third transfer on renovation of my rental houses which were in bad state, now my income has increased and my living standard too."

"I have been using kerosene lamp for a longtime and most of the time my children could complain of hurting eyes when studying because of the smoke produced by the lamps, so I felt that I should use part of my third transfer to buy a solar panel that I have since connected to my house. My children no longer complain of eye problems. I also bought a cow that has since given birth, and I am also producing milk. My roof had worn out, so I also thought it wise to buy paint that I used to paint it. It is now so neat. I am grateful for sending me the money."

"I spent my third transfer on plastering my 3-roomed house (35,000 KES) since it used to look bad and needed to be improved. I also bought a bag of dry corn for feeding my family (4,000 KES) and the rest on paying primary school expenses."

"The place we live in is mostly flooded when it rains , so when I received this last transfer I spent it in building a much more raised house and a bigger one because the one I lived in before was small. I then bought a bed and mattress since the last one was worn out and I used to fall from the bed and the mattress too was small."

"I spent my third transfer on plastering my 4-roomed house taht we had enlarged using second transfer(32,000 KES). I also bought seats ( 12,000 KES) since the house looked good and the next thing was to buy good furniture as well."

"I spent my third transfer on the payment of my dowry and construction of a house. My family used to live in rental houses but after getting the third transfer we built a house and now we save the money that we used to pay for rent."