My life is currently different from how it was four months ago in that I now have more confidence in matters finance than I used to have before. I have been able to borrow money and win the trust of people that I will pay them back knowing very well that I have a monthly income. Gone are the days when I could be denied loans since people never trusted me on where I could get the money. I currently enjoy a good working relationship with the creditors courtesy of GiveDirectly transfers.

I do not have any new additional goal as at now. My main focus is to work towards ensuring that I buy more sheep for keeping and secure my financial needs now and in the future. This is a very important asset that will help, in future to make other valuable family investments.

The biggest difference in my daily life in the last four months is the fact that I have been able to save consistently through the monthly merry-go-rounds that I engaged in. My hope of buying sheep is almost becoming a reality to me. Right now, I only have a goat yet livestock are the most important assets one can have. My desire is to increase the number of assets that I own and be able to cater for any needs that may arise in the future. I am looking forward to having more livestock to keep in my compound.

In the next six months, I expect my life to change in that I shall have registered with an organization that gives farmers inputs on credit (One Acre Fund). By being part of this organization I will enjoy the services of being given fertilizers and hybrid seeds to be paid back at a later date. This will be a great step towards improving crop production that will enable me to have enough food for the family and even practice agribusiness.

Currently, my is different in the last four months in that that I am able to feed well and I do not have to worry about not having household items such as soap, kerosene and food. This is because I am now able to use my transfers to cater for this. Getting meals have been a burden in my household due to lack of a stable source of income that can meet all my family needs.

My new additional goal in the next four months is to save money in the merry go round and buy a dairy cow with the savings. It will provide me with milk for my household consumption and I will also sell some so that I can generate income to use in meeting my family necessities. Cow-dung is a good source of organic manure and I will be applying them to my farm so that it can boost its productivity. This will save me the cost of buying inorganic fertilizer from the shops as I will rarely be using them anymore.

I mainly do casual jobs and the income I make can only sustain my family's needs hence saving has always been out of the question. I lost my mother four months ago and due to the financial constraints during the funeral arrangement, I was forced to borrow some amount of money. Despite the financial difficulties I had, I was able to give my mother a good send off and I have also been able to repay the loan within the stipulated time. Without the transfers, I would not have been able to achieve all this and I am now glad that I was able to achieve it and this is so far the biggest difference in my daily life in the last four months.

In the next six months, I am going hopefully that I shall have to save enough money in the merry go round where we are 10 members amongst those who are getting GiveDirectly's transfers and buy a cow. I believe having this cow in the unforeseen future it will reproduce and I will be able to get milk which I will sell the surplus to make an extra income.My family will also have an opportunity to enjoy the nutritive value of taking milk on a daily basis.

My life is currently different than How it was four months before now that I have settled all the loans that I had borrowed. I lost my mother four months ago and due to the financial constraints during the funeral arrangement, I was forced to borrow some amount of money. Paying the loans back was straining because I lacked a source of income.

I am planning to purchase a cow. This will provide me with milk which I can be able to use at home as well as sell for the purpose of generating income for my household.

The biggest difference in my daily life in the last four months is that I have been able to rebuild a pit latrine. The previous one collapsed because of the weak walls caused by the rains. I have also been able to pay loans that I had borrowed during my mother's funeral. If it were not to the transfers, I would be drowning in debts.

In the next six months, I am going to be debt free and hopefully will be talking milk tea every single morning. This is because I will have bought a cow by then. My income will also have increased from the sales of the milk.

I am happy because nowadays I can afford to buy fertilizer and seeds that I use in planting hence I do get bumper harvest like my neighbors.

My new goal is to save in our merry go round group and buy a cow because I am planning to go pay dowry and also pay a visit to my daughter in laws parents.

I have managed to buy solar panel for lightening hence I do not buy paraffin daily since it was also too expensive and stressful.

I except to have bought a cow and goat because I have a target of visiting my daughter in law parents come next year when God gives me life.

I have a new goal of keeping poultry. I expect to save a portion of my monthly transfer towards this project which i am very optimistic will pick up well.

My life is currently different than it would have been if I never received this transfer in the sense that I have been made to pay my tithe for the next three months. My mind has been set free from the worries that always crop in at the end of every month when I am not able to pay my tithe promptly.

In the next six months, I expect my life to change in that, through the poultry farming that I plan to begin, I will be able to generate some income. My family's living standard will automatically go up.

The biggest difference in my daily life is the pride I have found in using fertilizer like my fellow farmers in the village, something that I never expected in life.