"I spent my third transfer digging a well. There is a water problem in our area so immediately I got the third transfer I saw the need of digging a well. The well has been very helpful because now my family do not walk for long distances in search of water. I also sell water to villagers and thus my income level has increased."

"I spent my third transfer on fixing a steel door and two steel windows.I cemented my house into semi-permanent house from mud one and now I am happy and peaceful at heart since I no longer borrow mud from my neighbor who at time refused to give out their mud which gave me stress on looking for other alternatives which were very expensive.I bought household utensil , water containers and food for my family's consumption."

"I spent a portion of my third transfer on acquiring an ox-plough for use on my farms. Previously I relied on other people's ox-plough which caused me a lot of delays resulting into very poor harvests. I am more happy today since I am able to plough my farms on time which has subsequently resulted into very good yields. Besides that, I constructed a new house with a different model since the one I had before was very tiny and prone to damages by rain water. Honestly, I have moved a step higher that I couldn't have acquired on my own."

"I spent my third transfer on extending my house which was previously two roomed. The extra room created was meant to store a huge water tank that I had purchased for reservation of water. In addition to that, I renovated my roof which had become so old and leaking. I am happier today that I suffer no more from a leaking roof which frequently destroyed my household items. Finally, I painted the entire house to make it more beautiful and attractive to the passers by."

"I used a portion of the transfer to build a spacious iron roofed house. I also purchased water pump for irrigation purposes."

"The biggest hardship i am faced with is lack of money. Some times i am not able to buy soap and my family has to bathe with just water. I have also sometimes gone without food."

"I spent my second transfer on buying a water tank for harvesting rain water because we have water shortage in our area. I bought building materials which I used in renovating my house because it had started wearing out I bought bedding for my children because their mattress was already old and used the rest of the money on buying food."

"I have save a lump -sum amount of money 40,000 KES which I am planning on spending it in the month of September 2017 on enrolling onto a teaching college since I believe after completion of this course I will be more competent and venture on white scholar jobs and provide for my family. I bought water container and household utensils. I also bought a bag of maize for my family's consumption too."

"I spent my first transfer on building a decent spacious house into two roomed house which accommodates my family members and now I have peace at heart since I no longer face the challenge of staying in a leaky house which could give me sleepiness night when it rains as I had to move my beds and my children to avoid them to be soaked in water."

"I spent 30000 KES of my second transfer on buying a water tank because we have water shortage in our area so I use it in harvesting rain water. I used 4000 KES to buy maize for consumption and used the rest of the money on paying school fee for my three children who are in secondary school to clear their fee balance."