"My expectations for the next six months is to ensure that I am strong and healthy by continuing to eat well. I also want to ensure that my grandchildren are well taken care of."

"My expectation in the near future is to be financially stable. Being financially stable means I can take care of my children's needs comfortably without so much struggle. I also want to reduce the amount of casual work that I sometimes overdo working on people's farms and concentrate in my own farm."

"In the next six months, I expect to have constructed a new house for my children. They are currently living in a house which is in bad condition and is almost collapsing. This would at least improve my happiness since we would be having a clean home with more space in the house for my children to read and sleep. We are praying to God that all our plans to establish that new house will go through."

"My son's barbershop business is doing so well, however, much of his returns go into paying rent for the place he has rented. We have decided to use part of the transfers to build his own place of business to save up what goes into rent and employ two more staff to help him out. The rest of the transfers will be used to purchase livestock in form of cows and goats that will ensure his brothers and sisters' education is catered for. This will help us attain our goal of financial freedom. "

"In the next six months, I expect my life to be much better. This is because I will be enjoying higher income from the sale of the farm products (potatoes and cabbages) that I will have planted and harvested from the leased farm. Besides, I will have completed planting tea in my farm. Thus, I will be more confident with regards to supporting my children as they pursue their studies. I will be having reliable sources of sufficient funds to be used in paying school fees and financing other necessary projects."

"In the next six months, I expect to save my transfers and add some of my earnings to use as capital to start up and run my own shop. This will be my best alternative source of earnings. As a result, I will no longer have to depend on hard and unreliable casual jobs."

"Poor state of health is the biggest hardship that I face in life. For the past eight years,I have been forced to live in pain after an unsuccessful kidney operation. As a consequence, I have been rendered helpless and incapable of performing heavy duty jobs. Due to deficiency of jobs to engage in, my source of income greatly dwindled and my wife not being able to cope with the situation any longer,ended up abandoning me and taking with her two of my daughters. As if that was not enough,eight months ago,while working as a cook in a school,hot water for cooking "ugali" accidentally poured on me severely burning my stomach region. The wounds have refused to heal and as a result,I am once again in a position whereby I cannot go to work to take care of my son who my wife left behind. I feel so frustrated because even my relatives seem to be getting tired of supporting me. I am hardly capable of renovating my house whose rooftop was blown away by heavy winds let alone feed my son and pay for his schooling."

"In the six months, I expect my life to buy steel doors to fix in my new house. I believe having steel doors will enhance security in my house such that no one can break in to steal from me. I also expect that my business will have picked and will be earning me some income."

"I expect my life to change in the next six months in that I will be a proud grandmother who will have finished paying school fees for her grandchildren. I want good education for them since when I do this, they will have better chances of being employed. I do not what them to end up doing odd jobs like the parents."

"I used my most recent transfer to pay my school fees. I stayed at home for two years since my uncle who was paying my fees stopped to pay as he had to pay school fees for his children. I have been struggling to save the the money I get from casual jobs but was not enough to pay all my school fees. I was so happy when I received my transfer because I knew that I will go back to school. I also used part of my transfers to repair my house. I was living in an old house and during the rainy season the roof was leaking and it was very cold at night. I am now happy since I am living in a decent house and it is very warm."