"I spent most of my second transfer to buy building materials like iron sheets, round poles and chicken mesh which I have used to build a chicken coup for rearing chickens. I spent some amount to buy cement, timber and iron sheets which I have used to build a pit latrine in my compound and the remaining amount I spent to pay school fees for my brother-in-law who is in high school."

"I spent my second transfer on buying chicken to help me start a poultry farming, bought two bags of maize to sustain my family and added stock to my business of selling cereals."

"I spent my first transfer to pay my loan which was long overdue. I bought poles, nails and paid laborer who was building my chicken coup. I bought 20 tins of maize for my family's consumption and the remaining amount I spent to buy food and clothes for my family."

"I spent my transfer on buying building materials which I used in building a kitchen cum sleeping room for m children since my house is very small and cannot accommodate all of us comfortably. I then bought some chicken for my poultry farming venture and a new mattress for my children. I then used the rest of the transfer on buying food for my family."

"I spent my second transfer on erecting a chicken house at 19,950 KES, paid 10,000 KES college fee for my daughter, used 5,000 KES on my aunt's funeral, bought a sack of maize at 4,600 KES then used the rest of the cash on other home errands."

"I spent my second transfer on digging and building a pit latrin @13300 Kes, a steel door 8000 Kes, a cow 8000 Kes, two chicken 700 Kes, Solar 6900 Kes and still left with 10000 Kes, school fees 700 Kes and spent the rest on food."

"When I received my second transfer, I used part of it to buy 17 iron sheets which I will use to construct my new house. I then bought a sofa set at a cost of 12000 KES since I did not have proper seats in my house. I also bought a goat and 2 chicken for rearing in my home. The balance was used on buying foodstuffs for my family since we did not have enough food in the house."

"I spent my second transfer on building an iron roofed house at 26,110 KES, used 11,280 KES to repair my motorcycle and bicycle, bought a mattress at 4,500 KES, five chickens at 1,500 KES, fishing net at 4,000 KES, then used the rest of the cash on little house items."

"I spent my transfer on starting a groceries kiosk business that is now my main source of income. I then bought some chicken to start a poultry keeping project as an alternative source of income."

"I spent my transfer on buying some livestock including a cow for milk and some few chicken which I will be keeping for our personal use. I then bought a few household furniture that I did not have like a bed, a new sofa set and a side board for keeping my utensils. "