I spent most of my third transfer on purchasing seven sets of seats because I only had one hence whenever I had more visitors, I could borrow from my neighbors who could sometimes demand that I return the seats when the visitors were around which was embarrasing. I also cleared fee balance for my child and used part of it on labour for the six people who were helping out in the farm and I can say that I managed to pay them easily without taking a loan. The remaining amount went on food for the family's consumption and buying more clothes.

I spent most of the second transfer to buy dairy cow for my future use where by l will not spend money to buy milk from my neighbors. I spent the transfer to pay school fee for my children who are in primary academy school. I also spent the transfer on farming and l am sure of getting enough produce. The remaining balance l spent to buy 1 sack of maize and food for my family.

The biggest difference in my daily life is that, l was full depending on borrowing from the table banking for me to do things like pay school fee but this time round l did my things without borrowing.

I spent a total of 4000 KES to pay school fees for my child; then the rest of the money was spent on paying labour for tilling my maize farm.

I really felt happy the moment I received the money because I had a child who really needed school fees at the moment but I had no money of my own own to pay.