In the next four months, I plan to use my transfers on savings. It is my dream to buy a cow as it is the cheapest investment I know of. I know with the savings and the little income from the business, I will be able to buy the cow and fulfil my goal.

The biggest difference in my daily life since I started receiving these transfers is that I now have a salon business. Before the transfers, I did not have any form of income. I used to rely on my parents to provide for all my needs. I had not gone to college and could not get a well-paying job with secondary education. As I got my monthly transfers, I started savings on a monthly basis and since then I used the savings to start a small hairdressing business in my village. I never knew I could own a business at this stage of my life.

My life will be different in the next six months in that I will have registered for a teaching course in the nearby teaching college. I have always wanted to be a teacher but due to limited finances in my family, I was not able to. This is why I decided to save part of my transfers and used the savings to start the hairdressing business. I know the business will help me raise money through the profits for paying my college fees long after the transfers are over. I thank GD for the transfers because I am now going to achieve my goal which I had lost hope in.

My life is different from how it would have been four months ago in that I have my own business. I had desired to have a stable source of income but I could achieve it due to having no income at all. I only depended on my parents for all my needs. I wanted to help them and also being financially independent. GD transfers have enabled me to start my own hairdressing business. I no longer depend on my parents for all my needs. I know my life will not be the same as it was again.

My new additional goal in the next four months is to buy a goat. I want to save the money in a way in which it increases in value. The only way I can achieve this is through buying livestock. I know when they reproduce, the number will increase and will sell them to achieve my goals of continuing with education.

I finished my secondary school last year and I was not able to get my certificate because I had a huge fees balance in school. This is because my mother who was paying my fees could not clear the fees in time for me to get my certificate. I tried going for casual work to raise the money to clear the balance. After a long struggle, I could not manage to clear the balance. When I started receiving these transfers, I used it to pay the fees balance bit by bit. As at now, I have cleared the balance and I have my certificate now. Thanks to GD for the transfers.

I expect my life to change in the next six months in that I will have registered for a medical course. I would want to further my education because through this I will have a bright future. I know when I am through with cater to my family needs with ease.h education, I will get a well-paying job which will help me

Currently, my life is different in that I have been able to buy a goat, with the goat, I believe I will earn an extra income . To replace the goats which shall have reproduced and increased in number with a dairy cow. With this dairy cow, I will have enough supply of milk hence I won't buy milk from other people in the village as I do right now. At the same time, my family members will have enough to drink hence their nutritional status shall also have improved since milk has some nutritional values.

I have always dreamt of being an entrepreneur hence my new goal for the next four months is to save money in my personal account and with the saving, I am planning to start a Mpesa shop with it.

Previously, I depended on the commissions in the saloon that I have been working. It was meagre hence sustaining my needs and my family's' as well was difficult. The biggest difference in my daily life is that I have been able to start a small cosmetic business in the saloon where I am employed to double my income. Through this, I will be more dependent and catering for my needs will be easier as well.

I expect my life to change in the next six months in that I am saving most of the transfer in my personal account and with the saving, I am confident that I will use them to start a Mpesa shop and make an extra income.

I am staying a happy and less stressful life after joining college a few months ago. I now believe I have hope for a better life in the near future because I will now employ myself and others after coming up with my saloon business.

Currently, my new goal is to start a saloon business immediately I finish college, I now have enough experience and I believe I am going to create employment too for some of my friends because I cannot manage it alone.

The biggest difference in my daily life is that I spent part of my transfer to get my form certificate. Since I finished form four getting my certificate from school was a dream to me because my mother whom I depend on could not have managed to pay the huge fee balance I had in school and this hindered me from joining college and also applying for bursaries. The moment I started receiving this transfer I cleared the fee balance first to enable me to get my certificate back. I thank Give Directly because I had lost hope in life because without that certificate I could not prosper in life. I joined hairdressing school and I have hope very soon I am finishing my classes, and I would now employ myself and also my fellow colleagues.

I expect to have finish hairdressing classes, hence I would have started working for someone as I plan to buy equipment and look for a business premise for my own saloon business that I am planning to put up.

I have a new goal of buying more decent clothing so that I won't be relying on one clothing daily. I have been relying on only two clothing which is hectic because I have to wash daily and now that I'll be joining college soon it will be more hectic.

My life is currently different from the way it would have been had I not receive the money in that if it was not for GiveDirectly by now I would not be having the hopes of joining college because I couldn't afford to clear fee to collect my certificate from school.

I want to start poultry farming in the next six months so that in future I'll sell them in order to raise money for meeting my needs.

The biggest in my daily life since I started receiving money from GiveDirectly is that I was able to clear secondary school fee balance and took my certificate from school and now I'm planning to join college. If it was not for GiveDirectly by now I would not have collected my certificate from school.