"I spent my third transfer in the construction of a new house. Formerly I used to live in rental houses which used to be very expensive on my part. When I got the third transfer decided to build a new house which would save me from the pain of paying monthly rent expenses."

"Since we lived on the lake shore with my husband we decided to start a fishing business using our third transfer to enable us pay school fees for our children."

"I spent my third transfer on plastering my 3 room house to improve its appearance since it was not very presentable before (47,000 KES)"

"I spent my third transfer on buying seats for my house which formerly did not have seats. Now my children and I have somewhere to sit on when in the house. The remaining part of the money I used in paying school fees for my children who at that time were at home because of lack of fees."

"I spent a major portion of my third transfer to buy a bull since I had only one which was not able to plough alone, I bought an ox-plough because I was tired of borrowing from my neighbors who would later talk behind my back. The remaining amount, I used to pay laborers who were building my house."

"I spent my third transfer on building a 3 roomed house as well as a kitchen that also serves as sleeping quarters for my bigger children (47,000 KES) .Our previous house was 1 roomed and very small , and it was a problem to me always. We are very happy."

"I spent my third transfer on building a spacious three roomed newly iron sheet roofed house, I am happy that I have a peace of mind since I no longer stay in a leaky grassed thatched house.I also bought food for my family consumption"

"At the time when my third transfer was sent, I had a serious police case which would have resulted me into jailing. I had faught with a neighbor who decided to report me to the nearest police station, taking advantage of my poverty. With my status, I could not afford defending myself in a court of law and had therefore to face either a penalty of 20000 KES or a two year imprisonment. I was so glad that before a final verdict was made on me, I received my third transfer which I partly spent on settling the fine. Other than that, I purchased household items that I lacked, some of which included kitchenware, furniture, bedding and many more. I am so glad today that I no longer beg for such from the neighborhood whenever their needs arose."

"I spent my third transfer In the construction of a new house. My former house was small and could not accommodate fully all of my family members. Some of my children used to sleep in the kitchen. I am now very happy because all my children are able to sleep in the new house."

"I spent a portion of my third transfer on timber, iron sheet and nails which I have used to build a house since the one I was living in was not in a good shape, I bought two sacks of maize for consumption. The remaining amount, I spent on two goats for rearing and to hire a bull to plough my land in preparation for planting."