"In the next six months, I would have harvested the maze which I currently have on my farm. I expect to get a good harvest and would keep some for consumption and the surplus will sell to earn money. I would be financially stable and would decide on another income generating project."

"In the next six months, I expect to buy some of the household items such as a sofa set. The chairs will greatly improve the appearance of my house and make it more comfortable to live in. I also expect to buy some goats and sheep which I shall keep to help me in the future when the transfers are over."

"In the next six months, I expect to have purchased a dairy cow. I will facilitate this by combining our transfers together with my wife for 3 months then use it to buy a dairy cow."

"My new goal that I did not have before receiving the transfers is to buy a motorcycle. I am planning to use my second transfer to buy the motorcycle which will be an additional source of income to my family. Currently, I am struggling to provide for my family and pay school fees for my siblings with the little money I get from my photo shop. Starting the motorcycle business will therefore be an additional source of income to pay school fees and cater for other needs of my family."

"My life is currently different in that I have expanded my poultry project. I am now happy since I have a source of income to cater for my family needs and I no longer depend on casual jobs to earn a living. I can now sleep comfortably since I used part of transfers to buy a mattress. In the past I used to sleep in an old mattress and I could not sleep comfortably and I used to wake up feeling exhausted since I did not sleep well."

"The biggest difference in our daily life is that we now have more income generated for the family. We can afford most of the things that we considered luxurious before and living a very happy life. We have enough milk from our dairy cow that has enabled us have plenty of food for the family and surplus is left for sale earning us more income from the family."

"I used my most recent transfer to pay school fees for my child. This is because I received the money at a time when I had not cleared all her school fees. I also used part of transfer to boost my business where I sell ice cream. This will thus boost my income from the business. In the past two months preceding the current transfer, I used part of my transfers to start this business. I used to get little income from the business since the initial capital was small and I was struggling to provide for my family and pay school fees for my children. I also used the remaining amount to buy food which will last us for some time and I will therefore be able to save the money which I would have used to buy food."

"I spend my most recent transfer to start a grocery business. I decided to venture in this business because for a long time I have been doing casual jobs so as to meet my basic needs. The casual jobs was also not constant and most of the times I could stay without food and it was also a challenge to pay rent. I am now happy since I used my transfer to start this new business and I have a constant source of income to meet my basic needs such as food. I no longer spend all my time doing casual work and I can also pay rent using the money I get from my business."

"After I have completed constructing the new kitchen which I am currently planning, I will invest in a grocery business which will earn me some extra income even after this project is over. In my poor health status, this is the only thing I can do without having to strain. I hope that this will change my life by making me enough money to take care of my needs and becoming totally independent once again."

"I dropped out in my first-year n college due to lack of college fees. The transfers have really boosted my business and from the proceeds, I get I am planning to go back to school to complete my college education."