"I had planned to construct a house on a family land that I own so that I would move from the rental house I lived in and stop paying rent. When I received the most recent transfer, I used the whole of it to purchase the required construction materials required and constructed a new house on that piece of land. I am glad to be living in my own house where I no longer have to worry about confrontations by my Landlord whenever there are delays in rent payments."

"The biggest difference in my daily life since I started receiving these transfers is that I am able to pay my house rent in time. I have been using the transfers mostly for paying rent on a monthly basis which has really given me an easy time. Since I started doing that, I have developed a very good relationship with my landlord and I have set the pace for my fellow tenants. Secondly, my family has never lacked what to eat ever since I started receiving these transfers. I have always ensured I buy food on a monthly basis which has not only reduced our daily expenditure but has also ensured we always have food on the days when the business did not do well."

"I spent my transfer on boosting my shop business by adding more stock. This has been my monthly way of spending my transfers and I am glad it has brought a very big change in my business. I have a good stock and the profits too have increased from the profit. The rest of the transfers I have saved. There are financial crisis in life and they come unexpectedly. I want to be well equipped to handle them when I have them through my savings."

"My life is different than it would have been if I never received the transfer in that I would not have been in a position to buy building materials since I have children in school."

"Since I received the transfer, my charcoal business has really improved from a small business it was where I was dealing with a little stock of only two to three bags of charcoal to its current state where I now handle up to 30 bags. This has had a great impact on my income which has also improved a lot as I now make more profits than I did before. I have also managed to clear most of the debts I had before I got enrolled in the program which I had to take due to my low income that was not able to cater to all my needs forcing me to borrow money to supplement my budget. I now have an easy time providing for my family through my flourishing business and have no worries of being kicked out of my rental house for delayed rent payments or my children being sent away from school for lack of school fees."

"I expect my life to change in the next six months in that I would have also saved to buy a water tank. Getting water for domestic use at home is so tedious since we have to walk for a long distance."

"I expect my life to change in the next six months in that I will have to build a better house for my son who is now thirteen years. I will use the savings from the group that we have started."

"My life is different than it would have been if I never received the transfer in that I would not buy building materials for building a house."

"I expect my life to change in that I will have saved some money In merry go round to enable me to start a horticulture farming. I will have enough food for the family and even sell the surplus to pay part of the school fees for my children."

"My expectation in the near future is to build a bigger house. I currently use one small house for all the needs. This is quite congested since there are young children that we stay with. Therefore we have less privacy because of one house. I want to build a bigger one with an extra room for the children and this will allow the privacy that we need."