Before the transfers, I did not have a reliable source of income. i used to rely on a day to day income from construction work which was not even reliable. At times we would go for a whole week without any pay. At such times, I was forced to seek for help and even take loans which I could not even pay. But ever since I started the cloth business with my transfers, I have been able to pay back all the debts I had and even provide the basic needs for my family well. I no longer borrow as I used to because of the transfers and I now have a reliable source of income.

My new goal would be to continue boosting my business. My goal is to make the business stable to a point where it can sustain itself as well as help me meet my family needs well and in time. I do not have any source of income and the business have been very important in my life. This is why I would want to invest more in it.

I spent my transfer on staring a cloth business as my main source of income. The business has really helped me in reducing my borrowing and even meeting my needs. I also used the money to buy a cow as an investment which I can layer sell to get money for other needs. When the cow reproduces, then I will have a number of them which is a very good investment. The remain amount, I used on buying Iron sheet which I have now used in building my own house. I have been spending at my friend's house anytime I go home and I felt it is time I have my own house.

The biggest difference in my daily life is that I feel I am now happy. I was always stressed up in the past since I used to depend on casual jobs. At times I could stay for two weeks without money to meet my basic needs such as food and pay rent since the casual jobs was irregular. I am now happy since I used my transfer to start a new business where I sell second hand clothes and shoes. This is a regular source of income to meet all my basic needs.

My new goal is to buy a plot and build rental houses. I will save part of the income from the business and add to my other savings and use the money to buy the plot and build the rental houses . This will be additional source of income to meet my basic needs.

I used my most recent transfer to build a new house in my rural home. I was living in a small old house. During the rainy season the house was leaking and this forced me to build another house. The room was also dusty and was full of pot holes. I also used part of the transfer to boost my business where I sell second hand clothes and shoes. I expanded this business so as to get more income since the income I got previously was little and could not meet all my basic needs. I used the remaining amount to pay rent and buy food since the money I got from the business could not cater all my needs.

My plans are to expand my business by adding some clothes to sell so that I can increase my profits. The location where I am planning to open a shop for my business when I expand it has more people and only one shop selling clothes hence I will get more customers. I also plan to build myself a house at my rural home since whenever I go home I usually sleep at my friend's house.

The biggest difference in my daily life is happiness since I no longer go around looking for some casual work to do as I have started my own business which I am now running it and I am not always tired at the end of the day like before.

I spent my most recent transfer to start a business of selling shoes so that I can also have a source of income. I have been doing some casual work which is tiring and at the end of the day, I get a small amount of money and having my own business will really help me a lot. I also paid my two months rent in advance so that I can use the profits i will get within this fisrt three months to expand my business.

i was so happy the moment I received my money since I knew that my plan of starting a business was coming into reality.