"I spent my third transfer on buying building materials which I used in the construction of my house. My former house was not in a good state it was very old. I am happy now that I am in a bigger and better house."

"When I received my third transfer, I had school fee arrears for my son in a polytechnic. I do struggle a lot to ensure that he stays in school but in most occasions, he would spend his at home. Secondly, I plastered my house which was previously made of mud and composed of a lot of dust which could frequently affect our health. Lastly, I cultivated all my farms which for years I have been leasing due to the heavy capital required to cultivate them. I am so happy that I will reap maximally like the others in the village."

"I spent my third transfer on expanding my house which was small. I have a fish business so I added some amount of the money to the business. I also paid school fees for my children."

"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."