"My house collapsed in May 2021 and since then, I have failed to construct another one due to lack of money. This has forced me and my 6 children to seek shelter from my mother in-laws' kitchen. Since this room is congested and full of soot, we have had frequent health problems such as coughs. Also, my children lack enough space for studies, which has directly affected their performances. Hence, these are some of the main challenges that I am currently facing."

"The health of my family is something that I am concerned about. Currently, we spend our nights on roped beds and rugged sacks, which do not give us nice sleep. In the morning, we feel so much pain and this has directly affected our health conditions. To ensure this is solved, I intend to replace the old beddings with new ones and this means spending my first 6 months' transfers, 18000 KES to do this. Also, together with my husband, we will pool our remaining transfers, to reinforce our house with stones and cement because it's walls are made of mud."

"Expanding my livestock business and repairing my house are among my top priorities. To ensure these are achieved, I intend to invest my monthly transfers, utmost 2000 KES every month in the livestock business for a whole year. This will assure me of a high profit, to aid in repairing my house. The other transfers will support my children's education, also, it will cater to my family's very basic needs like food and clothing. Therefore, this is generally what receiving this money means to me."

"My top priority has been to reinforce my house using stones and cement because it was made of mud walls. During rain seasons, the walls are weakened from outside and this endangers our lives. The transfers will help me to buy the stones and the cement, also, it will aid in paying the constructor. This will cost me utmost 30000 KES, which will mean saving my transfers for 10 months. Hence, this is generally what receiving this money means to me."

"I have five children who are in school. When they get ready for school, their uniforms are tattered. I feel so low when they have to walk around like homeless people. I have wanted to buy new sets but I do not have the money. I will dedicate the first two transfers to changing this situation. This money will also help my wife and me with school fees and food for the family easily."

"With old age, I can only support my granddaughter using the money I get from Inua Jamii Cash transfer, a programme that supports the elderly and vulnerable. I have since accumulated fee areas amounting to 5000 KES. Getting a certificate means clearing all the fee balance in school. This is a hindrance to getting her certificates now that she is in her last year in primary school."

"My fourth-born daughter finished primary school and I could not afford to take her to secondary. She has a passion for tailoring. In the local polytechnics, fees are not as exorbitant. I have some money saved and I am short of just KES 10,000. In three months, I can afford to get her enrolled in the course so that those skills can help her start a business and earn some decent money to cater to her child."

"I live in a house that is not hospitable. The roof was blown off by strong winds. Every time it rains, I have to seek refuge in my neighbor's house, together with my wife and children. I feel humiliated to pass the night on the floor but I have no other option. I will talk to my two wives. I think if we can all agree to put our transfers together, we can build a big house that will accommodate all nine of us comfortably. This project would cost approximately KES 80,000. In a year, we should be able to build and move in if all goes well."

"My family depends on charcoal for survival. This business does not make us enough money. We make about KES 2,500 per week. That money is only enough to feed us and pay a small amount of school fees per term. We have arrears and I honestly do not know how we will offset them."

"This money will mean freedom and restored dignity. Currently, I live in my son's house. He works in Nairobi but comes home occasionally. Whenever he is around I am happy to see him but he has no privacy in his own house. Every month, I will save KES 2,000 towards building my own house. I intend to save up to KES 50,000. I know this will take well over two years but patience pays. The remaining one thousand will be used to buy food. I am very excited about it."