The other difference in my life in the last four months is that my children are rarely sent home for school fees arrears as before. I used to struggle to raise money to meet my family needs in time and as well as paying their fees arrears in time. They would be sent home every now and again. I would have to talk to the teachers to allow them back in school as I still look for the money to pay. Receiving these transfers changed my story. In case they are sent home for fees arrears, I only go to pay not to ask the teachers to give me more time to look for the money.

My new goal in the next four months is to buy a goat or a sheep. I have desired to have livestock in my compound but due to low income, I was not able to. Through livestock, I will have an investment whose value increases on a daily basis and can increase in number when they reproduce.

The biggest difference in my life since I started receiving these transfers is that I have a solar system in my house. As a result of low income from casual work, I was not able to raise money to pay for a solar system. I was not able to even pay for it on a monthly basis because income was very inconsistent. I could not keep up with buying kerosene on a daily basis. With the transfers, I was able to purchase a solar system which I have been paying for on a monthly basis with the transfers. I feel so relieved from having to part with some amount on a daily basis to buy kerosene.

I expect my life to change in the next six months in that I will be having livestock in my life. In my area, when you do not have any livestock, you are considered very poor. This has been my condition but with the transfers, I want to see a change. The change will be evident in my life through the livestock which I want to buy through GD transfers.

My life is currently different from how it was four months ago because l am now staying in a nice spacious house as compared to before when I was sleeping in a very small old house.

My new goal is to improve my cattle keeping by buying more goats, this will save me in future where by l can sell them and spend the money for my daily up.

The biggest difference in my daily life is that l saved most of the transfer i have been receiving and spend the money to buy ironsheets and build up a new spacious house, since I was staying in a very small house where it could not accommodate me with my family. I am now staying in a very spacious nice comfortable house even if I have visitors I am not worried of where they will see. I am also using solar for lighting my house as compared to before when I was using tin lump, where I was using a lot of money buying parrafin.

In the next six months l expect to have improve my livestock keeping where by I can sell them and spend the money accordingly, being that I build up my own house, I will no longer being rained on a gain.

My life is currently different from how it was in that, I have been able to invest my last few transfers in livestock (goats). I count myself lucky because I have goats which I did not own before.

My new goal is to pay dowry. I have stayed with my wife for the longest period of time but I have never made our union legal through dowry payment which is a way of formalizing a marriage in our community. This is a very expensive ceremony that I wasn't able to cater for with the little pay which I got from the odd jobs.

In the last four months, my family members had better meals because we invested in farming and got good yields. Previously, we could work on people's farm just to get the meagre pay for our daily upkeep and this made us prepare our farm late translating to the low yields. Those were the toughest moments because we had no choice but to buy food most of the time which was expensive. I am glad that we now focus on other needs like paying school fees and concentrating more on our farm. This is so far the biggest difference that I have experienced in my daily life.

My plan is to use my next transfers to purchase more goats and I am hoping that in the next six months, I will have more flock.

My life is currently different from how it was four months ago in that, I own a sheep that. Right now I have my own which I can sell the young ones when they increase in number so as to pay school fees for my children easily.

My new goal is to finish paying solar lantern charges so as to own it fully and the main reason for doing this is to avoid charging my phone outside my home which can easily lead to its spoilage.

The biggest difference in my daily life in the last four months is that, I take care of my daily needs easily unlike before.

I expect my life to change in the next six months in that, I will be busy taking care of my cattle after doing other duties.

I have a goal of buying goats and sheep that I will be rearing in the future. I do not want to be a fisherman anymore because I am ageing.

My life is different because had I not received the cash i would not have been able to feed my family comfortably as I do right now.

In the next life I will have enough food, I will no longer be a laughing stock in the society. Moreover, I will no longer have to go into the lake and fish the whole night for my family to eat.

There is a difference in my life because I used to undertake a lot of casual and hard labor for my family to eat. However, I can now get money to feed my family without straining so much.