"I have a lot of financial challenges in my family, thus I am working extra hard to look for various ways to ensure I reduce the financial burden I have. I have school-going children both in primary and secondary, thus I still have fees burden. Having thought of leasing land farming probably could give a solution. In the next six months, I expect to have a bumper harvest thus I will be selling the surplus when prices shoot up."

"I managed to pay my rent upfront for eight months to avoid any altercations with my landlord during the period I would be partly in college taking a course in hairdressing. This was a good idea because I have not had any problems with my landlord since then which was a very frequent scenario before because I would always delay paying each month's rent. The transfers also made it possible for me to join college and take a course in hairdressing which would never be possible without the transfers because I would not raise the required fees on my own as I only depended on domestic jobs that could barely take care of my needs."

"I spent my transfer on starting a Mpesa Business. I did not have a stable income before the transfers and I have been struggling financially. Since I could not get enough money to start a business on my own, I was not able to star one. This is why I used my transfer to start the business which will sustain my financial needs long after the transfers are over."

"My expectation in the near future is to grow financially by investing more in farming. I want to improve my poultry project by adding more chicken. I also have a plan of buying a sheep for rearing. All these are all aimed at improving my lifestyle and to get to a position where I can be of help to my relatives or any person who may need my help."

"After completing high school, my biggest dream was to further my studies and pursue a course in engineering, but this was not possible as my parents could not raise the required fees due to their lack of stable income. After I joined the program and received my first transfer, I decided to fulfil my dream by joining college and using my transfers to pay my fees. All the money I recently received was used to pay the college fees so that I could have only a little balance that would be manageable for my parents."

"My additional goal for my life for the next four months is to continue saving. I will then take and loan and add to my savings then build a permanent structure as my shop. I am tired hawking and running away from policy reinforcement officers."

"My new goal is to start a boutique business. Out of my research I have realized we do not have many boutique in my area that is the the reason why I would want to utilize this opportunity well to help me boost my business . My ambition is to help young people especially the youth to nature their talent through employing them to hawk clothes for as I pay them on commission . This idea would encourage them not to engage in drugs or crime which might be contributed due to idleness."

"Paying my house rent on time is the biggest difference GiveDirectly has offered me this is because I no longer get in logger heads with my landlord over long overdue rent arrears . On the other hand my business has grown because the profits I make on a daily basis caters for restocking the business since the transfers cuts a bigger role in the provision of my urgent basic needs such as rent and buying food."

"My life is better now because I have plastered my house that used to be dusty, I bought an ox and a ox plough to facilitate ploughing and I have already secured my child's school fees for next year first term. Before, I borrowed oxen and hired some times when I had money. I was not sure of my child's continuity with education due to lack of money."

"My life is different now, I have cleared my children's school fees, bought land and household items like a bed, mattresses, utensils which I did not have before. If I had not got the money, my children would have been sent out of school for fees."