"I used 18,000 KES to pay my bride price, bought 20 iron sheets at 12,000 KES, 40 wall poles at 4,000 KES, 40 roofing poles at 4,600 KES, nails at 3,000 KES, weatherboard at 1,800 KES, fisherboard at 3,000 KES, a goat at 2,000 KES, then added my money to the rest of the cash and paid 2,500 KES hospital bill for my child."

"My proudest achievements are l have struggled to buy goats for future use. Finally l managed to educate my children. "

"I bought 20 iron sheets at 13,000 KES, 15 bags of cement at 9,750 KES, 250 bricks at 3,000 KES, a lorry of murram soil at 6,000 KES, paid 5,000 KES labour charge, bought a goat at 2,000 KES, a sack of maize at 3,000 KES, used 5,000 KES to boost my retail shop business, then used the rest on food for my house."

"I used my transfer to buy iron sheets (16250), poles (3300), nails (1200), my sons treatment (5000), a goat (3000), a bag of maize (3000), gave my son (6500), food (2000) and labor charges (5000)."

"I spent my first transfer on buying a cow and 2 goats.I also bought solar panel,paid school fees for my children,paid my medical bills and bought food for my family."

"I spent 20000 KES of my first lumpsum transfer on a sofa set, 14000 KES on a cow, 3000 KES on a goat for dowry and I visited my in-laws to pay the dowry with the remaining 13000 KES."

"We spent 26,000 KES to buy a cow, bought 15 iron sheets for 9,750 KES, nails for 1,200 KES, two bags of maize for 3,400 KES, a goat for 3,000 KES and the rest was spent on buying food in the house."

"I extended my main house from 22 to 32 iron sheets at a total cost of 37000 KES, I invested 4000 KES in a general shop, I spent 3500 KES on a goat, I invested 5000 KES in a saloon and I spent the remaining 500 KES on food."

"l am planning to build my house so l bought building materials at 28160 kshs, transport 2500 kshs, l bought maize at 4000 kshs, l bought 2 goats at 5000 kshs, l bought furniture at 5000 kshs, l also paid fees of 3000 kshs to my child in primary school the remaining balance l spent to buy food."

"I bought 20 iron sheets at 13,000 KES, wall and roofing poles at 2,500 KES, four goats at 11,000 KES, one cow at 15,000 KES, one mattress at 3,500 KES, used 5,000 KES to erect a pit latrine. I used my own money to withdraw the cash from the Mpesa."