"I spent my second transfer to build a new house since my previous house was swept away by strong wind and pay school fees for my children. I also bought food with the remaining transfer."

"I spent my second transfer on cementing my house into a nicely semi-permanent house from a mud one.I bought household expenditures.I also paid school fees for my child who is in high school."

"I spent my second transfer to buy sand, 25 bags of cement and paid laborers who renovated my house from mud to plastered. I spent some amount to pay school fees for my child who is in high school because I did not want him to be sent home for school fees and the remaining amount I have kept for daily expenditures in the house."

"I spent my second transfer to pay school fees for my children and renovate my leaking roof.I also built a pit latrine with the remaining transfer."

"I spent my second transfer on paying school fees at 30000 KES, 2 sacks of maize at 9000 KES, repaying the borrowed money at 4000 KES, clothing at 1500 KES, while the rest on food and upkeep. I am happy that my family can nowadays go without missing what to eat."

"I spent my second transfer on buying iron sheets at 20000 KES, school fees at 16000 KES, a cow at 8000 KES, I also spent 6000 KES on food and upkeep."

"I spent my second transfer on paying school fees at 5000 KES, 30 pieces of iron sheets at 930 KES each, 43 pieces of timber at 180 KES each, iron nails at 3800 KES and the rest of the transfers were spent on food and upkeep."

"I spent 27000 Kes of my second transfer on paying school fees, boosted my second hand clothes business with 13000 Kes and spent the rest of the money on buying my children clothes and food."

"The biggest difference in my daily life is that I now have livestock which are a good investment and in the near future, the cows will produce milk and they will also help me in school fees when my children reaches secondary school."

"When I received my second transfer, I took 10000 KES from it to clear the school fees balance for my child in secondary school so that he is not sent home for the same. I then bought 30 iron sheets and a lorry of clay soil in readiness for constructing my new house since we stay in a marshy area with weak soils and my current house is dilapidated and leaks so much when it rains. The balance was spent on buying 2 sacks of dry maize and other foodstuffs for my family because we did not have enough food in the house."