"I spent my third transfer on a dairy cow and a calf which I intend to resell later on and use the money to pay school fees for my children . I also finished constructing the latrine which I had started building using my second transfer and I am very happy because I nolonger relieve myself in the bush. The remaining amount went on food that we ate as a family."

"I used the last cash transfer to buy new iron sheets, cement and paid the workers who were building my house."

"The best way I could use the last cash transfer was to buy a cow and two goats. I thought this could be a good investment because the cows and goats would eventually give birth and I would benefit from getting milk and probably selling out the livestock in exchange of cash."

"I spent most of my third transfer on purchasing seven sets of seats because I only had one hence whenever I had more visitors, I could borrow from my neighbors who could sometimes demand that I return the seats when the visitors were around which was embarrasing. I also cleared fee balance for my child and used part of it on labour for the six people who were helping out in the farm and I can say that I managed to pay them easily without taking a loan. The remaining amount went on food for the family's consumption and buying more clothes."

"I bought a motor bike for my husband worth 95,000 KES though he added more money because my third transfer was less than the money we required.My husband used to hire motor bike at a fee but it was very stressing because at the end of the day he could get so little from it.I am very happy we have our own motor bike and it give us a good return daily that can support our family financially."

"I spent my third transfer entirely on school fees. My son was to join form one and my daughter was joining Kabbarak university under going her under graduate."

"I spent my third transfer in purchasing fisher board, metal window and doors that I used in building my new house, so that it look decent .I also did wiring in my house because I wanted to have electricity in my home like my other neighbors."

"I used my transfer to pay my child's schools worth 20,000 KES a form two, and as well bought a sofa set worth 15,000 KES and the remaining balance I spent on household meals. My house did not have a sofa but now I have good seats."

"I used the last transfer to build a new house in addition to buying a new set of chairs and buying food."

"I spent the larger portion of my third transfer on paying fees for my son who was in college since this is the best way I could help him and I also knew that through his education, his life would change in future. The remaining amount went on buying a calf that will help in farm work or even resell it later on to get money for personal use."