"I spent my third transfer on purchasing building materials like sand, cement, windows, doors and window panes which I used in renovating my house which had a weak door with no windows. I also bought uniforms for my two children who had old ones and paid school their school fees."

"I spent the transfer to buy a cow for rearing to give us milk,bought building materials to renovate my roof as the timber had decayed, paid contractors and the rest i bought food for family consumption."

"I spent my third transfer in clearing school fees arrears for my children because I had a huge fee balance and I did not want them to be sent home for fee.I also build a latrine because we did not have one and we had been sharing with my neighbor."

"I spent my third transfer in paying medical bill for my son who was involved in a motor bike accident.I am very grateful to give directly for having helped me clear all the bills because it was very huge that I could not have managed alone because I am a single mother."

"I bought building materials with my second transfer and there fore when I received my third transfer, I used in building ironed roofed house because the one we were staying in was grass roofed house, which was seriously leaking.I also bought bedding's and clothes for my children because they did have presentable clothes."

"I spent the transfer to buy more building materials to build a larger house to accommodate my family and the rest i paid school fees for my children who had been sent home."

"I spent my third transfer on paying school for my daughter in secondary, who stayed in school for two terms without being sent home most of the time due to fee arrears unlike before. I also restoked my cereal business which has been the main source of income that I still operate to date."

"I bought five seater sofa set because I did not have enough chairs in my house to enable my visitors sit comfortably . I also plastered my house mainly the floor which was dusty and the walls which had cracks. I am happy my house is now decent."

"I spent my third transfer 30,000 and KES to stock my fish business and the remaining balance I spent to pay my children's fees."

"I spent the whole of my third transfer on purchasing two dairy cows for milk production which we will start enjoying three months from now when they give birth. I plan to sell some of it to get money and use the rest in my house because currently, we use black tea because we can not afford KES 40 everyday to buy milk."