"I expect that in the next six months, I would have saved enough money from transfers and borrow some from table banking to purchase a dairy cow. This dairy farming will enable me to earn extra income to meet school fees need for my children."

"My life will change tremendously because I will have a big house by then that will comfortably accommodate my family. The fear of living under a leaking roof and being rained on during the rainy seasons will now be a thing of the past. My kids will live a more comfortable life where they will have their own room unlike how we live today where we have to share this living room albeit uncomfortably."

"In the next six months, I expect to increase my farming land to a hectare. Savings from the current farm produce and the transfers will enable me to achieve my plans. Because of the good income that I will be getting from the increased farming activities, I will be able to cater for my family easily."

"I spend my most recent transfer to pay school fees for my daughter who was joining another school. I decided on this because the school she was attending was so far from home and she had to walk for a long distance. At times, I used to take her very early in the morning as I feared for her safety since the road she was was using was very busy since it was under maintenance. I also used part of my transfers to buy iron sheets. I am planning to build an iron-roofed house in my rural home since the one that I currently live in is leaking and it is not comfortable to live in during the rainy season. I also bought a sofa set since I had no seat in my house. Whenever I had visitors, I had to borrow a seat from my neighbor and she was not comfortable with it."

"In the In the next six months my daughter shall have joined university and this means that I will have more responsibilities bestowed on me. I plan to save more to meet the needs of my daughter in terms of school fees and other school needs that may arise as she joins campus."

"I expect my life to change tremendously in the coming months. By then, I shall have saved enough to finally buy the building materials which I will be using to build a new house as I have a small house that can accommodate my large family. I would be having a home and my sons would have built their own houses by then."

"In the next six months, I expect to buy sand and cement to plaster the house I currently live in. For years we have been smearing its walls and floor with the cow dung but this is not easy since it always takes my wife a whole day to make the entire house. Plastering my house will relieve her from such a regular but tedious work."

"Financial constraint is my biggest hardship. This is because I lack a stable source of income and solely depend on my husband for a living. He supports me with around 500 shillings a month which is supposed to cater for all needs. However, it is not possible and mostly I focus on the very sensitive needs which are food and healthcare. In this regard, I am not able to meet educational expenses of 70 shillings a Month for my children. Currently I have outstanding arrears of 4000 shillings that accumulated since the previous year."

"The biggest hardship that I am faced with is inadequacy of money to take care of the scholastic needs of my children. I have three children at the university and facilitating their needs is a big charllenge."

"Receiving this money means that I will be able to build an iron roofed house."