In the past before the transfers, I could rarely get money. This is because my whole life depended on a small income from casual work and odd jobs in my area which was not only inconsistent but also very small. I could not get enough for my needs and I would take time before I get money. Since I started the business with part of my transfers, I have been getting money on a monthly basis which is a very big difference in my life. I don't lack as before neither do I beg for help. All because of GD transfers which I received.

My new goal is to start a hotel business. I feel the income from the Mpesa business will not be able to sustain all my needs effectively hence I want to boost it with the hotel business. I know from the two business, my life will be much better than what I have gone through all these years.

I spent my transfer on starting a Mpesa Business. I did not have a stable income before the transfers and I have been struggling financially. Since I could not get enough money to start a business on my own, I was not able to star one. This is why I used my transfer to start the business which will sustain my financial needs long after the transfers are over.

My life is currently different in that I have a constant source of income. In the past I used to to do casual jobs and at times I could even stay at home for a week when I did not get a job to do. I used my transfers to start a new business where I do spray painting and I now I have a regular source of income to meet my needs and pay school fees for my siblings. I am now happy since I no longer depend on casual jobs to meet my basic needs.

My new goal is to open an Mpesa shop. I will save the money I get from my business and use to start the new business. This will therefore be an additional source of income to pay school fees for my siblings. I will also use the income to buy food and pay rent.

I spent my most recent transfer to buy a spray painting machine. I was employed in a garage and the money I was paid was not enough to meet my basic needs and that of my siblings. Casual jobs from the garage was also irregular and at times I could go for a week with out getting an income. I used my transfers to buy the machine and start my spray painting business. This is a constant source of income and at times my friends hire the machine. I am therefore able to provide for my siblings from the income I get from the business. I also used part of my transfers to pay rent since I received the money at a time when I had paid the rent.

My plan is to get into transport business because it is the only business that is always in season. I would like to purchase a motorcycle, but because it is quite expensive to acquire a new one, I will use the next transfer to purchase a used one that is in good condition. The savings that I will make out of the business will help me purchase a new one, then I can rent out the old one for extra income.

My life has changed because I now own something that I can brag of. It is also a nice way of covering the kind of life I am living here in Nairobi as my friends now think that I make a alot of money for me to purchase such an exepensive breed of coew.

I don't intend to live in Nairobi forever, so with part of the money that I received, I decided to invest in something that will benefit me whenever I decide to relocate back to the village. I bought a dairy cow(Calf) which I know in a few years will be beneficial in terms of milk production which I will sell for income. I also paid my rent and sent some of the moeny to my brother in college for his upkeep.

Kenyan Economy has really deteriorated and for a hustler like me, coming across such an amount is like a dream. My wife and I were very excited when I received the money because it was the first time I ever received such an amount in my entire life.