I spent my entire third transfer on building a 3 room house for 50,000 KES, though not yet completed. Actually, my family is already living in the unfinished house as necessitated by the fact that our previous house was grass-thatched and leaked badly. We are financing the completion process through funds created from my Brick-making business that I initiated using 36,000 KES from my second transfer, from which I bought varied equipment and tools to start me off. I started with 4,000 bricks, but currently I am processing 6,000 bricks, for which I already have potential buyers. I hire 4 Casual workers at any one given time for the purpose of digging out the soil, mixing, moulding and processing. We have a complementary source of funding from a Retail Kiosk in which I invested 10,000 KES from my second transfer as well. This particular business has grown to a level of 15,000 KES working capital. In addition, the ventures have enabled me to join 3 Women/Savings groups since August 2017. I have been saving 1,600 KES per month, and additional 100 KES daily that translates to about round 3,000 KES monthly, so a grand total of about 4,600 KES. Life looks up for us as a family since our standard of living has improved a great deal, and we plan to transfer our children from Public to Private Schools for more effective learning as schools reopen in January 2018. We also plan to complete our house soon. The greatest difference in my life is that my stress level has reduced a great deal, because in my view, having income brings about change.

I most of my second transfer on purchasing building materials that I planned to use in construction of a new iron roofed house to replace the grass thatched one that I had before. I also purchased a bed and a mattress, things I admired a lot from the neighbors but could not acquire due poverty. Finally, I purchased household items such as a table, utensils and many more that I lacked as well.

The biggest difference in my daily life is the joy I have found with the construction project that I have began and I believe I will soon move into a nice iron roofed house and vacate the leaking grass thatched one that I previously occupied.

I spent my first transfer on buying a mattress and bedding because the ones I had were worn out. I spent the remaining money on food.

I felt very excited when I received my money because my family was starving, we only ate when we got something to eat.