"Firstly, we are planning to use part of the transfer to build a bigger house because this is smaller for us. Secondly, we plan to use another part to buy a cow that would give us milk in the future. Lastly, we intend to to use the remaining amount to start a small business of selling maize."

"l am planning to pay dowry to my in laws and to buy my own dairy cow."

"l am planning to buy 2 cow-bulls for farming because l always have difficult time to work in the farm."

"The biggest difference in my daily life is that I now stay in a bigger house and I also have a dairy cow gives me milk for sale hence generation of income."

"I spent my second transfer on buying a cow at 8,000 KES,gave my eldest son 2,700 KES for his personal use, spent 27,000 KES on school fees ,purchased a sack of maize at 2,700 KES and the rest of the money i spent on food."

"I'm planning to spend the upcoming transfer on buying a cow and furniture. I also have the plans of renovating my house so that it may look neat."

"I spent my second transfer to build a house for 30000KES. I also bought a cow for 11000KES, water tank for 2000KES, and 4 plastic chairs for 2000KES. The remaining cash i spent on daily household expenses like food."

"I'm planning to spend the upcoming transfer on building a new house because my current house is too squeezed. I'm also planning to buy a cow."

"I'm planning to spend my upcoming transfer on furnishing my house because it's not neatly done. I'm also planning to buy a cow which will be providing me with milk in future."

"I'm planning to spend my upcoming transfer on paying school fee for my children in secondary school. I'm also planning to expand my house for us to fit well in it and use whatever I'll be left with to buy a cow."