I spent most of the third transfer to buy two cow bulls for farming this will save me from hiring people's cows to work on my farm. The remaining balance l am planning to build a home of my own since l am staying at my in-laws home where l am not free to do my development.

I spent a larger portion of my second transfer on buying a fishing net which my spouse uses for fishing alongside a few people he employed. I used the rest of the money on buying a few households.

We get daily income from the fish we get from the lake which has really helped us in meeting our daily needs thus improved ourliving standards. This is the biggest difference in my daily life.

I spent my first transfer on purchasing bedding for my children previously spent their nights on a mat. I also purchased a bag of maize for my family's consumption.

The moment when I received my transfer, I felt so happy because at that particular moment I had gone to a neighbour, who had received her transfer prior, to borrow her 500KES with a promise that I would refund her the amount once mine is sent.