"I pent most of my second transfer to buy a cow which I have always longed for, I bought two sacks of maize for my family's consumption, I bought a bed and a mattress because I was spreading a mat on the floor to sleep on. I bought school uniform and paid school fees for my children and the remaining amount I spent on household expenditure."

"I spent most of the second transfer to pay university fee for my son. The remaining balance l spent to buy two mattresses for my own and for my children since all our mattresses where very old."

"I spent my second transfer on cementing my house at 27,000 KES, bought seats at 9,000 KES, a mattress at 4,000 KES, a sack of maize at 4,650 KES, then used the rest of the cash on other little house items."

"I spent my second transfer on building an iron roofed house at 30,000 KES, bought a mattress at 3,000 KES, used 7,000 KES to start a kiosk business then used the rest of the cash on little home errands."

"I spent my first transfer on a mattress (4,500 KES), paid primary school fee for our child(2,000 KES) and bought dry corn (3,000 KES)."

"I spent most of my first transfer to buy sand, cement and paints which I have used to plaster my house and paint my house to make it look beautiful. I bought a new mattress because the one I was using was small and uncomfortable. I paid school fees for my grandchild who had been sent home for school fees and the remaining amount I spent to pay my medical bills and to buy food for my family."

"I spent my second transfer on buying a fishing boat at 25,000 KES, a mattress at 4,400 KES, ten cushions at 4,000 KES, I then added some of my money to the rest of the cash and bought a sofa set at 20,000 KES."

"I spent the larger part of my second transfer on building a decent spacious three roomed house 45000 KES and now I no longer stay in a grassed thatched house.I bought food for my family 1000 KES and a mattress 4000 KES."

"I spent my second transfer on buying a sofa set at 27,000 KES, paid 10,000 KES school fee for my child in high school, a mattress at 5,000 KES, my children's clothes at 4,000 KES, then used the rest on food food for the house."

"I spent my spent my second transfer on buying a bed at 3,000 KES, a mattress at 4,000 KES, an ox at 16,100 KES, a solar lamp at 3,000 KES, used 15,000 KES to boost my borrowing business, then used the rest of the transfer on other home errands."