"In the next six months, I expect to build a new house in my own compound. I have been living in my fathers compound and could not do much in terms of personal development because space was limited. My sons will have enough space to build their own houses and will not be forced to ask for a place to spend their night from the neighbours anymore."

"The moment I received my first cash transfer, I felt happy because I had received money for paying school fees and court fees for my children and regaining ownership of my land respectively."

"I expect my life to be better in the next six months in that I will not be doing more of casual jobs, I will be getting assistance in fee payment for my children school fee, will be producing milk from my own farm. I expect to lease more piece of land to use for commercial farming. This will improve my financial status."

"As a hotel cook in Bamba, I earn 100 shillings a day but this can only afford one meal yet I still have to pay school fees for my children and be able to treat them when they fall ill. I live in a house with a partly open roof because I have been unable to buy iron sheets yet I have a small baby and it happens to be very cold at night. My children are always sent home from school for one reason or another, one day its fees, the next its books etc. I have had to incur debts at different shops to make sure I feed my family and also that they may have the necessary items they need such as books."

"In the next six month l expect to have bought a new comfortable furniture."

"In the next six months l expect to have put up my workshop and not working from the house."

"There is a great difference in my life compared to my past one. Right now I have a stress free life and I am able to plan and organize myself for future life. I have cleared all the fees of the whole year for both children in Universities and in Secondary. My life is now good compared to the past."

"I started savings through a table banking group that we formed. As soon as the savings mature I will get KES 40,000. This capital is enough to start a shop dealing in household good. From the income I get from this business I will ease my husbands' burden as far as meeting my husband's needs is concerned. I will also take my son to a good school since I expect great proceeds that will cater to the same."

"In the next six months, I am positive that I shall have bought at least some livestock. I will have them as my assets, once they reproduce, I will sell, make profits and do other major projects."

"In the next six months, I expect to plaster my wall. This will not only make my walls stronger but will also save me the cost of smearing. I usually buy the soil used for smearing and being that it is only found several kilometers away from my village, there is an additional cost incurred on transportation."