"I expect in the next six months to have saved enough money and bought the necessary building materials which will necessitate the construction of my decent spacious new house."

"In the next six months, I will have started the poultry business and will be in a position of knowing whether to keep the broilers or proceed on with my improved local breed. This way my investments will be well calculated for maximum profits at the end of business or harvest period."

"My expectation in the next six months is that I will have assembled enough building materials and started the construction of my home. This has been a dream come true. When my husband went to be with the Lord, I promised myself that I will build a home for my family and fulfill all the plans he had written down on a blueprint. This is one of the plans and it is underway."

"Once I am done with paying my school fees, I am looking forward to building a small house where I can study in as well as have my own privacy. Currently, I spend at my grandparent's house."

"I expect in the next six months to be able to buy additional foodstuff to supplement the one I produce on my farm using the transfers. Through this, my family members would have balanced diet meals hence their health would improve."

"In the next six months, I am I hope I will be dressing properly, feeding well and my house will have been renovated. This will make me a happy and peaceful man."

"My life in the next six months will not have such a huge change but rather more comfort. I am guaranteed that my rent is paid on time and my school fee is readily available meaning I will not miss any lecture. This is a an indicator of a smooth semester."

"In the next six months, I plan to ensure my school fees is paid in time. I would not want a case where I am sent home for school fees and miss so many things as my fellows are in school studying. I want to have maximum time in school and study. I know through this, I will perform well."

"I expect my life to change in the next six months because I will have built a decent house. I will no longer be rained on after moving into the new house. This will give me inner peace and also spare me from being gossiped about in the village. Being that this condition still disrupts my sleep and normally disorients terribly. I hope to enjoy my sleep the whole night when this goal actualizes."

"Financial constrain is by far the biggest hardship that my family is faced with on a daily basis.I do not have any job and my husband's income from vending water in Mombasa is hardly enough to meet all the family needs.The most that he manages to earn on a daily basis is Ksh.200 and not on a regularly.As a result of the little income,on more than one night,we have been forced to go to bed hungry. It pains me a lot to see my child crying when she is hungry yet I can not afford to cook for her anything because I do not have money to buy any food."