"I spent my third transfer on paying school fees for my sister who is in high school. I am the first born in our family and we are orphans. So when I got the transfer I had to take up the responsibility of paying fees for my sister. The remaining part of the money I used in the acquisition of a motorbike which has really increased the level of income in our household." (Occupation: Motorcycle or bicycle taxi)

"I had seats that were old, worn out and were not presentable so when I received this last transfer I bought sofa sets, then I paid school fees for my child who was joining baby class and the rest of the money I bought food for the family." (Occupation: Motorcycle or bicycle taxi)

"I spent the larger part of my third transfer on buying building materials such as 25 pieces of iron sheets, a steel door,two steel windows which I am planning to use on building a decent spacious house in my own homestead,what is delaying me is the custom law that state I can't build a homestead before my elder brother does the same. I bought clothes for my family and 8 pieces of cushions for my chairs. I have saved some money 10,000 KES that I will use on the construction of my homestead." (Occupation: Motorcycle or bicycle taxi)

"I had borrowed a sofa seat from my fathers house so when I got my last transfer I used this to buy my own sofa set , gave my father some amount for upkeep and I also bought a dairy cow for milking and a bull to help in ploughing and sheeps for rearing ." (Occupation: Motorcycle or bicycle taxi)

"I had bought most of the things I lacked using my first and second transfer, so when I received my third transfer I concentrated on buying my kitchen ware. I am happy my kitchen is now well stocked. The remaining amount I used to pay school fees for my daughter who is taking a tailoring course. I am happy she is now self-reliant being that she is acquiring the technical skills needed in the current market and, part of the remaining transfer I spent on food." (Occupation: Motorcycle or bicycle taxi)

"I spent my third transfer building a new house. This is because I used to live in a deserted compound . I am now happy because I have a nice house in a new compound." (Occupation: Motorcycle or bicycle taxi)

"I had a small house that couldn't accommodate us with my growing family, so I spend my third transfer to build a new house." (Occupation: Motorcycle or bicycle taxi)

"I spent my third transfer on enlarging our 3-roomed house and furnishing it (42,500 KES) since it was previously extremely small and we had no seats.I spent the rest on assorted foodstuff(7,000 KES)." (Occupation: Motorcycle or bicycle taxi)

"I have been getting low yields due to late cultivating which was necessitated by mainly depending on labor exchange hence I spent the larger part of my third transfer on buying two oxen to assist me in cultivating my farm on time and now farming has seized to be a challenge. I bought three goats but unfortunately one died . I bought seeds to plant on my farm but after being attacked by maize worms I got low yields from them.I also bought sofa set seats." (Occupation: Motorcycle or bicycle taxi)

"I spent my first transfer on a motorcycle, which I use more as a means of transportation to earn my daily income." (Occupation: Motorcycle or bicycle taxi)