"My husband has been unwell for a continuous period of 1-year. He is 90years of age and has been diagnosed with kidney failure and because of advanced age, he cannot be taken through the process of dialysis. As we speak he is in the hospital and we expect a huge hospital bill because he has been there for the last two weeks. I fear that I might have to sell two or three cows to raise his bill. Apart from my husband, I also have blood pressure and I spend KES 3000 monthly on medication"

"Receiving this money means progress in terms of education. After completing Secondary School education, my parents concentrated on my younger siblings because they do not have enough money to pay fpr my college fees. I have stagnated for long but if I get the transfers, I will spend about KES 60,000 to enrol in a technical institute. I will also buy a dairy cow that will serve as a source of income."

"Receiving this money will improve the living standard of my family. I use my house as a kitchen during the day and use it as a bedroom and share it with my two girls during the night because of its small size. This is a challenge because I cannot accommodate my guests whenever they visit and I am forced to welcome them under a tree. I plan on building a bigger one so that I can be able to host my guests, have a room of my own, and my daughters can have their privacy. On top of that, I plan to buy a dairy cow so that it can be a source of income. I do not have a source of income because of the state of my body and I have to rely on my older son."

"It means a lot to us as a family. It will help us to build a new spacious house. Currently we are living in a small house that cannot accommodate all of us once our children grow up. We will also buy a cow to supply us with milk for consumption and also sell some of it as income. Currently we are buying milk at a high price of KES 50 per litre which is very expensive given that I don't have a stable job."

"Receiving this money will mean improved housing and health for my family. My husband and I started to construct our main house in September 2020. He had acquired a loan from his Sacco that enabled us to start construction. However, we were not able to finish constructing it because we ran out of funds and he had to complete paying for the loan so that he can borrow again. This money will enable us to complete the house and also buy a dairy cow so that it can give us milk."

"I am a mother of nine and a food vendor for the past twenty years and on a good day I get up to KES 1000. When I received my transfers, I spent KES 30,000 on a heifer. This is because I had only one dairy cow which normally produces 3 liters, two of which I sell to schools. This second one will also be helpful in school fees payment. Secondly, I also spent KES 20,000 on clearance of school fees arrears for my three kids in high school. Earlier on, they used to be in and out of school. As a result, my son who just cleared his fourth form performed poorly in his final exams and opted to repeat this year. Lastly, I spent KES 5,000 on two sofa set seats. These are more comfortable compared to the locally made benches and armchairs."

"Financial instability is the top most challenge that I face. I depend on dairy farming to make ends meet and sometimes there is a sharp decline in the production of milk from my two cows. This is occasioned by diseases like East Coast Fever which cause instant drop in production. I always struggle to provide during these times and the only available option is to borrow"

"I am a mother of eight and a grandma of one. To feed my family I rely on small-scale farming of maize, beans, and cabbages. My husband also worked as a tire shoemaker and vendor for the past 27 years. From his income, we have been paying school fees for my kids. During enrollment, my major two goals were school fees payment and the purchase of a heifer. When I received the transfers, I spent KES 25,000 on the payment of school fees arrears for my three daughters in high school. Secondly, I spent KES 20,000 on a heifer. This is because I have two dairy cows and this will be an alternative milk source during their dry spells. Additionally, once it reproduces it will aid in school fees payment. Lastly, I spent KES 6,400 on school uniforms and the latest clothing fashion for my family."

"For 8 years now, maize cultivation in my area has not been thriving due to the harsh climatic conditions and diseases. This has prompted me to take up dairy farming and crop diversification as an alternative source of income for my family of 6. At the moment, I own a dairy cow and my wish is to add another one as a backup for milk production once it runs dry. Unfortunately, finances have been a shortcoming since the income I earn from the sale of sweet potatoes caters for the household food and education for my children in primary school. When I receive these transfers, I intend to use KES 35000 to purchase an exotic dairy cow for milk production. I will be excited that my family will be both food secure as well as financially stable."

"I am about 90 years old and I am unable to fend for myself even though my grandchild helps me around with home chores. I fully depend on my children to provide for me my basic needs such as food and this makes me feel I am a burden to them. Receiving this money will mean financial independence and also living a descent life in my old age. I am happy because I will build a two roomed house and purchase household items that will enable me to live comfortably. Also I will buy a dairy cow since I do not own one at the moment. This will earn me money from sale of milk in a years time and I can meet my needs without relying on my children and grandchildren."