"I expect to be the envy of the entire village as by then my house would be completely plastered. My children will also be glad to live in the house as they would have fewer cases of colds and flu."

"I expect my life to change in the next six months in that my son will have joined university so that he can further his studies. With this, I will be a fulfilled parent knowing that he is soon going to achieve his life dreams. My only concentration will be to ensure that my family feeds well and that my son at school has enough money to use in buying food."

"I have been using this amount of money to pay my rent efficiently unlike how I used to have abnormal arrears in the past. There are times I used to stay for up to three months without paying my monthly rent because I do not have a reliable source of income which I can depend on to pay the rent charges in good time."

"In the next six months, I would like to ensure I give my best as save to boost my foodstuff business which is my main source of income. It has not been doing well and I fear it might collapse anytime and before that happens, I would want to invest more in it."

"In the next six months, I would want to buy household items such as sofa sets, television, and water tank. These are the house items I feel I lack in my house. If I do this, I will be at peace because I will have accomplished my desires."

"In the next six months, I would want to start a business for my wife. This will help us get an income which we will use to meet my family demands and to pay for my wife's tailoring course. I know when she is done with the course and starts a tailoring shop we will have a stable source of income to meet our needs in time."

"I spent the cash transfers on paying my house rent which is normally 3000 KES every month. I also paid school fees for my child who is currently in class six. After making expenditures on the two items, I remained with one thousand shillings which I used to buy food for my kids."

"I expect to have build a house because the one we are currently staying in is too small and cant comfortably accommodate my growing family. Whenever I do any casual work, I save half and buy food with the difference hence I am very confident that soon I am going to build a new house."

"I want to enlarge my livestock rearing by buying more livestock to add to the ones I own now. This will help in generating income for my family hence change in lifestyle i.e. constant supply of food for nourishment and sale of surplus to get income for our upkeep."

"I am planning to improve my business by opening a new branch in another area where I have already identified to be a good zone for such a business. I will need to make more savings so that this dream can become a reality within five months from today."