"The biggest hardship I face is that I don't have a home. I live in my cowife's compound. There's a lot of conflict here between me and my cowife that is."

"My proudest achievements are that we have struggled and bought cows. Secondly we have worked hard to take our child to school. Finally we have also built iron roofed house."

"I plan to spend the transfer to construct a bigger house for my family. I also plan to spend the transfer to buy three cows. I also plan to spend the transfer to buy household items like furniture."

"I am planning to spend my transfer on buying six iron sheets using the first transfer, the second transfer we will spend it on buying timber that we will used in building our house and furniture that will be put in the house. The final transfer will be spent on buying a cow and a goat so that we can keep them for milk."

"My proudest achievements are that we have struggled and bought a motorbike, a cow and a goat."

"I am planning to spend my transfer on paying school fees for my two kids who are in secondary school, part of the transfer I will spend on buying farm implements like a ploughing machine and a bull. I will also buy two cows that I will give my son so that he can pay as dowry for his wife."

"I spent my first lumpsum transfer on paying school fees for my children.I also bought a cow,bed,mattress and a set of chairs."

"I spent my first lumpsum transfer on building an iron roofed house.I also started a second hand clothes business and bought a cow."

"I spent my first lumpsum transfer on building a kitchen and paid fees and medical bills for my daughter.I also bought a cow,bed and a mattress."

"I added 3,000KES and bought a cow for milk."