"The persistent drought in our area has been a challenge. For the past four years, there has been a change in weather patterns that have resulted in minimum rainfall during the planting season. Our farms have been unproductive all along and also livestock lack enough feeds sometimes resulting in them dying which is a loss in our income. As a result , we are forced to purchase water two kilometers away at a cost of $2 each day yet we earn $ 4 from casual jobs. The remaining amount is hardly enough to purchase food for my family of eleven."

"Three years ago, I completely lost my eyesight and that paralyzed everything in my life. I no longer work to earn a living and just rely on my older children to provide for our basic needs. I sit around the compound all day long and this saddens me because I cannot give a helping hand to them hence making me feel like a burden."

"Fear during rain, flash floods, school fees."

"In the next one year, my goal is to have a house of my own and therefore with the transfers that I would be receiving, I plan to continue buying the construction materials in bits to a point where I would have everything in place ready for construction."

"With the huge school fees balance of around KES.50000, my hope is to get money to help me clear the pending amount because I do not want to be sent home as others would be continuing with their studies. Therefore I plan to spend the transfers entirely on school fees believing that in the next few months, I shall have reduced it with a greater percentage to allow me study without much worries."

"My main goal is to start a livestock rearing project where I had already bought a few goats to start me off. I would want to be a farmer venturing in livestock and I plan to accomplish this by spending part of my monthly transfers in purchasing goats and later buy cows knowing that they would be of help in the future in case I would be faced with any financial difficulties."

"I completed my high school education in the year 2019, and due to the lack of money, I could not further my education. My wish and hope had always therefore been to join college a study a course of my choice. With the transfers that would continue to receive, I plan to be setting aside part of it so that by the end of this year, I would have enough money to start me of in terms of school fees payment."

"I completed my high school education some years back, but I had never gotten a chance to join college due to the lack of money., therefore my main goal is to see myself back to school in the near future. I had been saving part of my transfers and I would still continue saving so that by the end end of this year, I would have enough money that would help me to pay for my school fees."

"My dream is always to further my education. I am currently in high school and after the completion of my high school education, I would like to join college or a university to continue with a course of my choice. Though the finance could be a major challenge looking at the current situation at home. Therefore, I want to buy goats every month I receive the transfers and by the time I would be done with secondary education, I would be in a better position to pay my college fees with the money I shall have received after selling my goats."

"My goal is to start a livestock rearing project. I would want to buy goats and chicken for rearing so that whenever I would be faced with any financial challenges in the future, I would sell them and get the money. To achieve this, I always save part of my monthly transfers so that after a certain period of time, I would have the project in place."