"I bought 15 iron sheets for 8,700 KES, poles for 11,200 KES, nails for 2,100 KES and paid 3,000 KES to construct a kitchen /store. I bought a bed for 4,100 KES and a mattress for 4,000 KES, a heifer was bought for 8,000 KES and spent 5,000 KES as capital to open up a shop. The rest was spent on other daily HH expenses."

"I spent the transfer on paying school fees 7000 KES and bought mattress 2000 KES and used balance on daily meals."

"I spent the transfer on buying clothes 5000 KES, mattress 4000 KES and used balance on daily meals."

"we bought two cows 30000 KES, transport and dowry expenses 5800 KES, bought furniture 4500KES, mattress 3500 KES, trouser suit for my husband 3000 KES, bought my dress 1200 KES, uniform and shoes for my children 2400 KES and spent 10000 KES to start a business for electronic accesories."

"We bought bricks for 32,000 KES, farming expenses were 5,000 KES, mattress cost 7,000 KES and a bed was bought for 5,000 KES."

"We bought iron sheets 6500 KES and mattress for 4000 KES."

"I used 10,000 KES to dig a pit for erecting a latrine then use another 10,000 KES to buy materials for erecting the latrine, bought one mattress at 6,000 KES, bought clothes for the family at 4,000 KES, two still doors at 10,000 KES, 110 kilograms of maize at 4,000 KES, used 4,000 KES to treat myself in a hospital then used the rest on food for the family."

"I paid school fees 6000 KES, bought cement 17500 KES,sand 3000 KES, labor charge 15000 KES, mattress 3000 KES, a sack of maize 2700 KES and shopping 1000 KES."

"I spent 18600 KES of my first lumpsum payment on 30 iron sheets, 3000 KES on nails, 8000 KES on a cupboard, 6500 KES on a bed, 5000 KES on a mattress, 7000 KES on a steel door and the remaining 1900 KES on tableware."

"When I received my first lumpsum payment I paid 20000 KES secondary school fees for my son, I spent 15000 KES on a sofa set and a table, 8000 KES on a bed and a mattress and the remaining 7000 KES on daily household needs like food."