"I expect my life to change in the next six months. I plan to invest my savings and increase my income to a point where I can start actualizing my longterm goals. My biggest worry at the moment is to easily pay school fees for my children. My kids are very bright and I would never want to fail them in any way. I thank God I was among the beneficiaries because I have means of starting other income-generating activities and achieve most of these goals."

"I expect to have expanded my work in motorcycle repairing. I will have stocked some spare parts and employed one mechanic to help me run the service. All these changes will happen when I manage to utilize the transfers well. I expect to have increased my customer base and gain more income from the increase in work volumes that I will be handling."

"Receiving this money means that I will have a source of income.This is because I plan to spend my transfers in buying two dairy cows.I got married two years ago and having just started family life,we have not been able to buy one.We have since been buying milk from a neighbour's house especially for our young child.Because the climatic conditions here favour dairy farming,I see this as an investment opportunity that will ensure that at the end of each month my family gets an income through sale of milk whose market is readily available."

"I got married immediately after completing high school.Since I had scored a good grade,I expected that I will immediately proceed to college.This happened but shortly after,I had to defer my studies because my spouse could not raise the fees.He has been shouldering the burden of educating his siblings since his father passed on and therefore he could not manage to pay theirs as well as mine at the same time.I therefore had to drop out of college,but I intend to go back soon to complete my course.This lack of money to pay my college fees has been the biggest hardship I have faced."

"The biggest hardship I am facing currently is not having adequate income to educate my children. School authorities always send back my children home because I don't pay fees on time."

"Receiving this money means that my household desires will be met. These include a desire to buy oxen and an ox-plough for ploughing, desire to marry. Currently, we as a family are using hand goes for digging and we can't dig a bigger portion of the garden because we don't have oxen for ploughing."

"Receiving this money means that my life would change on a positive note. The money will help me marry a wife, by purchasing cows that will act as dowery. Currently I'm staying without a wife who would help in household activities like cooking, washing and planning as well. If there is any balance of money, then I will purchase a cow which will reproduce to cater for children's school fees."

"Receiving this money means acquiring livestock and building an iron sheet roofed house to create a change in my livelihood. "

"Receiving this money means acquiring livestock that will be used as pride price/dowry for a wife, and as well as oxen to plough gardens on time. I had a woman but her people re-called due to unpaid pride price."

"Receiving this money means I will be able to settle with my husband freely without any inconveniences. My husband and I have planed to pay bride price to my parents in order to avoid scenarios of beeing put on pressure. "