"I used my last transfer to buy a cow, paid school fees the money came in at time my son was ill with malaria so we used part of the amount to pay for the his treatment. we have been building a toilet every year because of the terrain of our land which is hard hit with floods so for this reason we also built a toilet and lastly we installed power in the house we had done wiring before with the second transfer."

"I paid school fees for my two children who are in secondary school with the last transfer that I received then I bought a diary cow to help me with milk and maybe later sell when need arises and two sheep as part of my livestock."

"The floor of my house was plastered with soil, we mix soil water and cow dung to plaster and this exercise is always repeated so many times because it always wears out so fast and the walls too are made of soil so when it rains the walls will fall out, so for this reason when I received my last transfer I purposed to end this and plaster the floor with cement and the walls too."

"I had a drum door which was dangerous because it could cut my leg every time so I bought a wooden door to replace it. I bought two cows for rearing so that in future I would be get enough milk for consumption. I bought a few utensils to add to the ones I had. I also opened a small business so to keep me going."

"I spent most of my third transfer on plastering my house which had become so old and ugly and produced a lot of dust which frequently affected our health. I also purchased a cow to help me begin livestock farming which I had longed for for years."

"I bought cupboard where I can keep my utensils, I used to keep them under my bed which was quite embarrassing more so when I had visitors. I also spent some money on buying a cow that I am currently milking and I no longer have to buy milk. The remaining I spent on paying school fees for my children in primary school."

"I have stayed with my spouse for several years since 2005 without paying her dowry because I didn't have a stable source of income. I used a larger portion of the third transfer on paying her dowry, I now feel like a real man. I bought a cow for rearing and I believe in future after it has given birth to calves I'll sell one of the calves to help me pay school for my child."

"I spent my third transfer on school fee and text books for 6,500 KES, a mattress for 5,000 KES, sheep for 3,000 KES as I wish to rear them gradually and eventually get a cow. I also paid my school fee as an Adult learner enrolled in an Adult Continue Education program for 3,000 KES since I never completed , bought cushions for 2,500 KES.I bought family clothing for 7,000 KES.I have saved money that will support me in resuming my cereals business during the school holidays."

"I spent my third transfer on buying two cows. I took one to my maternal home as dowry payment given that my husband passed on without doing so as tradition require of me. The other I am rearing. I am happy I have done this and fulfilled our traditions. I also added my stock. I sell secondhand clothes and now I do not have to work in people's farms to make ends meet for my family as I make profits from my business."

"I used part of my third transfer to buy a cow so that I'm able to get milk for consumption. Since all my in-laws have dairy cows I used to get embarrassed whenever my children asked why we are not taking milk tea while their cousins did, but now that I have a cow they are so proud and happy and they are taking good care of it. I opened a business with a portion of the money so now I'm not a housewife anymore and used part of the money to buy school attire for my children so that they go to school looking presentable."