"The death of my mother last year is the biggest hardship i have faced in my life because it made me fill so lonely and i had no one to share my stories with anymore"

"I am a young ambitious mother of two who primarily depends on subsistence farming to see my family through. Since we got married, we have had a dream of improving our farming to enables us to acquire more assets and get better yields to sustain my family throughout the year. To me, receiving this money means a better investment in farming since I am planning to spend KES75000 on farming. First, I will buy a dairy cow worth KES50000 because am assured this will bring to an end expensive spending on milk and instead earn extra income from surplus milk that I will be selling. In addition, I will use KES18000 to buy both goats and chickens to rear in my compound. These together with the calves from the cow will be my financial securities thus I will live a secure life unlike currently. I wish to spend KES7000 to boost my crop farming too since this will supplement my livestock produce. I am planning to spend KES25000 to build an iron-roofed house hence I will have two for my family. I will spend the remaining amount, I will spend on my family basic needs mainly daily food and clothing."

"I live in a single room old grass-thatched house that is becoming uncomfortable to live in since it needs the roof to be replaced yearly which is becoming expensive for me and tiring each time I have to do it. To be receiving this money means I will be able to construct two houses a living house and a kitchen. I am planning to spend KES50000 to build these houses thus I will leave a new life in a more comfortable house and I will be able to harvest clean rainwater a dream I have had for a long. I wish to use KES20000 to buy a heifer to add to my heard. I will be able to have more milk for my household consumption and sales for extra income besides the offspring that I will rely on any financial crisis arising in my family. I planning to spent KES35000 on my family basic needs mainly my eye medication, food and clothing."

"Buying enough farm input like fertilizer and seeds for the coming farming season is what receiving this money means to me, for a long time i have had problems with producing very little farm produce due to poor and very little access to better farming materials, this will be history for this coming season i would like to buy the inputs before the farming season."

"The biggest hardship we have faced in our family lack of stable source of income. We having been depending mainly on subsistence farming but we started experiencing prolonged drought life became difficult. Sometimes we could harvest none from our farm, it force us to starting doing casual jobs at least raise some money to buy food. It was not enough to sustain my family of six for food and school fees thus sometimes we could forgo some meals in a day."

"This transfers will enable me pay school fees and rent for my last born son who is joining second year at Tangaza university Nairobi.This is aproximately Sh 30,000 for fees and Sh20,000.Payment for accommodation, food and acquisitions of personal items in Nairobi is quite expensive.I shall also buy a 5000 liter (Sh 20000) water tank for storing water, this will relief my wife from going to fetch water from along distance river."

"There was a time I felt sick so much and sh 20,000 was required for my operation. Finance was a great constraint, we had to fundraise from relatives since my husband had just retired and my kids were still in school.it even reached an extent where my parents requested my husband that I will be taken back to my maternal home for further care."

"After teaching for the longest time,i went on retirement seven years ago and my children were still young and in school.i had not invested enough and now i am still struggling to get enough money to pay for their school fees.Two of my sons are still in university and tertiary college and their school fees totals upto Ksh 180,000 per year.I get stressed up when i see them staying at home for lack of school fees because it means they lag behind in schooling."

"Receiving this money mean better housing to my household.This is because I am now sharing one bedroom house with my children which does not give me privacy.I am planning to spend Kshs.30,000 to build a two bedroom house that will be enough for all of us.I will also use Ksh 21,000 to clear fee balance and also spend Kshs.38,500- of second transfer to pay school fees for my daughter who is in form four.The remaining amount will cater for other basic needs such as food."

"The biggest hardship is financial constraints. I'm a farmer and for the last few years amount of rainfall in the area has been very low hence no production from the farm. The little I havest goes for food and I don't get surplus to sell hence doesn't allow me to save or cater for other family needs like better housing and clothing's."