"I am planning to pay school fees, buy a cow and food for my household."

"My life has improved because I did not know I would stay in a plastered house or own a cow but now I have all these."

"I am planning to buy 2 cows and pay school fees for my children."

"I spent my first transfer on paying school fees for my son in secondary school.I also bought a cow and a chair."

"I spent my first transfer on buying 2 cows.I also bought a door,2 windows,2 sacks of maize,clothes and food for my family."

"I am planning to pay school fees and buy a cow for milking with the upcoming payment."

"When I received my first lumpsum transfer, I built a semi-permanent house of 30 iron sheets with 33000 KES and we spent the remaining 17000 KES on a cow."

"I am planning to buy water pump and a cow with the upcoming lumpsum transfer payment."

"I am planning to invest my upcoming lump-sum payment in livestock business. I will buy cows, chicken and sheep."

"We plan to spend our transfer on paying dowry for my wife,We will also use part of it to pay three cows,two will help with ploughing and one for milk and lastly we will use the remaining amount to expand our current house since it is small."