"My priority at the moment is to ensure that I can afford the tuition fees for seven of my kids, especially because they are quite costly and yet I do not make that much money. Therefore, I will use a great deal of what I receive to keep my children in school so that they can pursue their education. I also intend on buying a couple of farm animals, preferably goats and poultry, so that they can come to my aid when I am struggling financially. Nutrition is also definitely on my list because I have a huge family and the drought has brought a lot of hunger back to the village."

"My oldest son, who did well in his final primary exams, will start secondary school in February. I don't make much money from the occasional jobs I work, so my financial situation is currently poor. The rivers are drying up, which is making it difficult for my husband to do his job as a fisherman. My plan is to buy stationery, pay school expenses, and purchase new school uniforms for my son, who will be starting secondary school, with the money from my subsequent transfers over the course of the next three months. He is a diligent young man who is eager to succeed, so I will be happy to see him go to school."

"The "Makuti" grass-thatched house I live in is in poor shape. I built the house with very flimsy poles. In the event of a severe downpour, I worry that the house will collapse because it is leaning to one side. My new objective for this year is to purchase 24 pieces of iron sheeting with the funds from my transfers. This will assist me in getting ready to build a larger, more roomy house for my family. I can't fully support myself while building a new house because my on and off jobs pay very little hence I am unable to save enough towards building a new house."

"This year I have the intention of investing on my farm, especially since after I got enrolled in the program I have so far acquired two goats and two hens. Therefore, I would love to acquire more animals and poultry as well. I also intend on using the amount I receive to continue paying for my child's tuition fee, because that is important to me as well. Last but not least, I hope to open a business before the end of the year, preferably a grocery store, in order to better sustain myself with the profits I make."

"I would like to have constructed a new home for my family over the course of the year. My "Makuti" house's tiny roof is made of grass and is in poor shape; it's almost falling off. I worry that while I am in bed with my kids, the house will collapse due to the severe roof leak. I want to save enough cash to buy iron sheets, construct poles, and pay labor costs. I will be able to fit all of my family members in my two-room home with a veranda."

"Giving us transfers in half other than all at once was a good plan, a lot of us would have done so little if it was given in lump sum because we are not familiar with having a lot of money at once. I have personally learnt financial responsibility and management though this because I felt accountable for every coin."