"I love afternoons because I can rest after a busy morning of house chores such as fetching water, picking firewood, ploughing, washing clothes and dirty dishes. After lunch, I can relax and play with my one and a half year old baby girl. "

"Upon receiving my first transfer, I bought three haircut machines, a water heater, hand towels, and comfortable haircut seats. I have been planning to start a barbershop but I did have enough money but once I received the transfer I did not even waste a second I rushed to Kisumu town and did the purchase with immediacy fearing change of plans."

"I used the money to pay school fees for my daughter who had fees arrears from the past amounting to around fifty thousand shillings. I have also bought a goats and planted modern water melon seedlings. I also bought iron sheets that I will use to construct a new house for large family."

"I spent most of the transfer to buy building materials as l am planing to build a new spacious comfortable house since l am staying in a very small house where l do squzee myself most so when l have visitors. I also spent the transfer to buy furniture since l did not have anything to sit on, l was only use water container as a furniture. The remaining balance l spent to the most comfortable blanket that l have never thought of. "

"Receiving this money means that I will be able to lease a farm to plant water melon and tomatoes. Currently there is big demand for water melon and cultivating it shall increase my income. I will save part of the transfer to pay fees to my son who sat his KCPE this year as he will be joining form one. I will also boost my wife's tomatoes business because she is the one who budgets for minor expenses like buying food daily in the house from her daily earnings. "

"Receiving this money means that I will be able to improve my farming immensely. I own a parcel of land next to a waterpan that I have been ploughing manually to plant vegetables and tomatoes but on small scale.Now that I will be receiving this transfer,I plan to purchase two oxen and and ox plough to enable me plough a large portion of the land so that I can engage in large scale vegetable farming.This will enable me supply bigger markets like Bamba and Mariakani thus greatly increasing my income. "

"Receiving this money means that I will be able to assist my family in the daily basic needs unlike currently when I only depend on my husband. I have had a dream of improving our farming to give us more products but water has been a bigger problem for us. I am planning to use this money to buy a cow and also help in construction of a bigger water storage hence will have enough water for my livestock giving me better returns at the end."

"I am planning to buy a huge water tank that will act as a water reservoir for my family into the future because there is a serious water shortage in our village so this will help me reduce the amount of stress I usually undergo during the dry seasons."

"I spent most of the transfer to pay dowry to my in laws, l am now very happy and proud because l am now sure she is my wife. I also spent the transfer to buy bed and mattress, l am now sleeping on a very comfortable place as compared to before when I was sleeping on a mart. The remaining balance l spent to buy furniture and l am now sitting on a very nice comfortable furniture as compared to before when l was using water container as a furniture."

"The only heifer I have in my equally partitioned two-acre field had been very hard to feed and maintain of late. The scorching sun have led to the stunted growth of the neppier in my farm which has forced me to keep looking for an alternative feed for many hours every day. I also have to take it to the river 3 Kilometers away from home where it can find clean water and also having to graze along the way. Bringing back home in the evening and locking it in the field to await the following day have been the happiest part of my life since I always get a chance to relax and interact with my kids as I plan for the next day."