"The biggest hardship I face right now is lack of school fees for my seven remaining children."

"I am planning to spend my transfer on expanding my business of tailoring, I will build a house at home so that I stop stay at the market centre, I will use part of the transfer to buy a motorcycle so that I can use it for transport and the other part I will use to pay school fees for our kids who are in nursery school."

"I am planning to spend my transfer on starting a new business of selling cereals, I will spend part of the transfer on paying school fees for my children and the remaining amount we will spend it on food, clothes and to build a house that has three rooms."

"I am planning to spend my transfer on buying a piece of land so that we can build our home as we are currently in our father's home, I will use part of it to pay school fees for my children and to buy food for my family."

"I am planning to spend my transfer on building a house as the one I have is very small for my family, I will rear some chicken and keep dairy cows using the cash and part of it also I will use to pay school fees for my children."

"I am planning to spend my transfer on building a toilet and a borehole as we don't have any in our compound, we plan to buy 10 goats that we will use to pay school fees for our children when they have grown, we will complete the construction of our house as it is incomplete and the remaining amount we will save in our bank account."

"I am planning to spend my transfer on buying furniture for my house as my house lacks furniture, I will buy food for my family, I will pay school fees for my child who is joining form one in a local secondary school and the remaining amount I will use to start a small business of selling household items like basins, cups and plates."

"I am planning to spend my on paying school fees for my two kids who are in secondary school,I will build a kitchen as I don't have one currently and the remaining amount I will use in buying cement so that I can have my floor cemented."

"I plan to spend the transfer to buy agricultural land that I can use to grow crops. I also plan to spend some of the transfer money to pay school fees."

"I plan to spend the transfer to pay a debt of Kshs.10,000 that I owe. I also plan to spend the transfer to build a house. I also plan to spend the transfer to pay school fees for my grandchild who is in high school. I also plan to use the transfer to buy school uniforms for my children."