"I would not have managed to buy a motorbike and would still be hiring a bike to earn a living. This would mean paying my rent would still be a struggle and sustaining my household needs would have been next to impossible. But since I have my own, with the profits earned I am able to meet all my needs comfortably with no strains."

"In the next six months, I expect to have saved enough money to purchase both cows and poultry for rearing. I have always considered livestock as an investment because in the future after they have given birth I'll have additional cows which I can sell in case of an emergency. In addition to that, I'll get milk from them after they have given birth. The poultry is also a good source of income and food for both family and visitors."

"I expect my life to change in the next six months in that I will have plastered my house. I want to use my monthly transfers for savings so that I get the required amount of money for plastering my house. I would want to make it strong and presentable."

"In the next six months l expect to have hire a farm and would have planted the whole of it and expecting a good harvest."

"In the next six months I expect to have joined college and continuing with my education with out being worried about how to pay my college school fees. My poultry farming will also have picked up and I will be able to pay my college fees without any struggle."

"Being a single mother of four, there are many challenges i face day in day out, one of them being the struggle i go through in ensuring my children dress well like other children so that they won't be discriminated against, secondly supporting their education as well as ensuring they are well fed. I am a primary school teacher employed by the PTA and the income i get to earn each month equals to ksh 3000 which ain't enough to satisfy all the needs of my family. This is the hardship i face"

"Unlike in the past whereby we used to consume food growing in our farms, life has been difficult of late due to unpredictable climatic conditions. we are forced to buy everything, thus investing in saving has been a great challenge which is the hardship we face"

"My life is currently different because the money has enabled me to pay for my house rent on time unlike before when my house would be locked for weeks. I am a casual laborer and the little money I got from my casual jobs was not enough to cater for all my needs. I used to sleep in my friend's houses on such occasions. It is usually embarrassing to ask for accommodation but I didn't have any option. Ever since Give Directly came into my life, I have been able to cater to my family's needs. This has given me an opportunity to save some money that I plan to use in reviving my business of selling second-hand clothes"

"Our biggest challenge is limited financial resources to accomplish some of our family goals such as education. My husband took a loan six years ago to build our current house, however, repaying it has costed us a lot more. At the moment, our daughter finished secondary school last year but till now has not been able to join college. Her siblings also need cash to clear the huge fee balances in school. My small shop business has not been doing so well either as there is not enough stock. "

"At the end of the six months, I shall have saved enough money and bought enough building materials like sand and cement. I will have plastered my house and shall be living in a very beautiful house that will reflect my status in society."