"I am not happy that my house is broken in one of the rooms. Besides, it lacks a door, which makes most of the nights feel unsafe for my family. I would be happy if I restored the damaged mud walls and install a door by the end of the year. Though hunger is still an issue in my house, I have decided to save most of my monthly transfers to aid the renovation exercise. Am afraid that if I only focus on buying food, I would never achieve anything more, hence the need to save. "

"Given the current tough economy, where commodity prices are rising by the day, my income as a motorbike-taxi operator barely secures enough meals for my family. Besides, there are no longer many passengers in my village as people prefer to trek rather than use a motorbike service. This has made me think about raising livestock as an alternative form of investment and source of income. I plan to secure more goats to increase my herd of ten, then later trade some for cattle. "

"I have always wanted to own a kiosk business where I sell vegetables and fast-moving goods to the people in my community. However, my major hindrance is the lack of necessary funds to establish this venture. The money I earn from charcoal making and the monthly cash transfers are usually consumed by food and education needs, such that am left with nothing to save. Operating this business will increase my income which will support the education of my three children. Besides, bringing this shop to my locality will avail commodities and save my community members the time and energy of walking for hours to the trade center. "

"Considering our advanced ages, my spouse and I can barely take on vigorous activities to fend for ourselves. Our two sons do most of the heavy lifting by constantly sending us money for food. However, given the unreliability of their casual tasks, the little they send barely provides enough meals. Not to entirely depend on them, I believe owning livestock is a great investment that will generate cash in the future to support the household essentials like food and school fees for two of my younger children. Currently, I have two goats; my intention is to secure more and grow the number. "

"Owning goats! The low income I make from charcoal burning can barely fulfill all my family's basic needs such as food and education for my three children. Keeping goats is the best income stream alternative that I believe will help me raise money to meet the household expenses. Currently, I own approximately ten goats. I still consider this to be a low number if I were to achieve financial stability. Therefore, whenever I get the opportunity, I will buy more goats to expand the herd and boost my wealth. "

"Before receiving GD's transfer, life was yough and as a farmer, it was even tougher because the weather had been sunny lately. My field was not as fertile as it should be but with the manure that I collect, the harvest is very promising and I think I will have enough to consume and spare enough to sell at the market. Buying a cow and renovating my house's roof was what bothered me the most."

"We were living a miserable life before receiving the transfer. We would only rely on the income we got from our backyard garden and things always got tougher once it did not rain for days and the harvest was not good. We are now able to eat properly while also thinking planning for something we can do in the future. I always wanted a cow but could not afford one; thanks to GD I was now able to buy a cow."

"I had many plans when I received the first transfer. I bought a goat worth 70 $, a mattress for 30 $, utensils worth 10 $, clothes worth 20 $, food for 17 $, invested in a saving group a total amount of 50 $ and kept the rest of LS1 on my bank account. I saved most of my transfer because I plan on buying a spacious piece of land when LS2 comes in."

"I have a piece of land at home that my husband and I use to grow crops. It was a peaceful normal working day when my husband, child and I heard an SMS notification alert. My child was the first to check and he immediately let us know GD had sent the first transfer. Not only were we happy but we could also hear laughters and screams of joy in our neighborhood. The Mobile Money agents were also notified that our village received their transfer and went door to door withdrawing money.The first thing that I thought of was renovating my house and adding doors and windows. I thank GD all of that was possible."

"In the coming year and beyond, I plan to concentrate on building a new house. I live in a house that was built when my husband was still alive. Its walls are frail. It is not only small, but it is also old. Even though it is only a two-room house, I have been living in the same house with my co-wife for those years. I am hoping to finish my house before the end of the year. It will be possible once my son Kazungu and daughter Pendo, who is in form four, complete their O'levels."