My life is currently different from the way it was four months ago because I have been able to pay for both my children's school fee and my business premise rent on time. This was made possible by the GD transfers. Since my spouse also receives transfers I haven't been financially strained because she is able to meet most of her needs on her own without relying on me.

I own a carpentry workshop but currently, I lack some of the modern equipment instead, I use manual machines. This slows down my work because I spend a lot of energy and time while using them. For the next four months, I have an additional of saving some of the coming transfers and use them to purchase the modern machines.

I have been using the transfers to pay for my business premise monthly rent. This has relieved of the financial constraints since I have been diverting the money I could spend on rent to my children's school fee. I feel relieved because I no longer carry forward the monthly rent neither are my children sent back home for school fee. This is the biggest difference in my daily life.

I'm planning to save some of the coming transfers and later add to some of my savings and use them to purchase modern machines for my carpentry workshop. The machines cost KES 75000 and I expect to have raised this much in the next six months. I'm hopeful that my income will have improved by then because I'll be able to make more furniture in a day as compared to what I'm currently doing.

My life is currently different from how it was four months ago because l am able to pay rent on time without any problem.

I do not have any new goal a part from paying my work shop rent, because by doing this I am also able to boost my business using the money I would have spent on rent.

The biggest difference in my daily life is that since I started receiving this money I have been having easy time paying my work shop rent. I am also able to pay rent on time since I always receive money early enough. Before pay rent was a big challenge because sometimes the business is not doing well in that getting money to pay rent is not easy, but now I am not worried because know every month I have some money to pay rent.

In the next six months l expect to continue pay my work shop rent and use the profit I am getting from my business to do other developments.

The differences that I have seen within the last four months is that I have been getting my daily bread from my carpentry job in addition to paying school fees for my three kids promptly. I used to have a lot of school fees arrears because my carpentry business does not pay so much so the little profits that I got had to be sub-divided among so many needs.

I have goals that I want to achieve within the coming months but the only shortcomings is the lack of enough cash to make such dreams realistic. However, I am planning to buy machines that will make my work easy as a carpenter which will save me some energy because working without the machines is quite cumbersome.

I have seen so many changes in my life within the last four months because for one I have been able to pay my rent for the business premises where I have been working. Were it not for the monthly transfers I think I would have even closed shop because I do not make much profits, at times breaking even becomes quite an uphill task.

My expectations for the future is to build my own home away from my fathers compound. For the dream to be realized, I have to buy irons sheets, timber, cement nails and also have enough cash to pay the mason who will build the house. The project needs a lot of money which I know I will be able to raise.

My life is currently different from how it was four months ago because l have been paying rent without difficulty or delay.

I do not have any additional goal a part from paying rent to my workshop.

The biggest difference in my daily life is that since l started receiving this money l have been having easy time to pay rent for my workshop.

In the next six month l will continue pay my rent without any problem.

The biggest difference in my daily life is that my children are not sent home for fee balances like before because I pay their school fees on time.

I am praying that in the next six month I would have bought plane machines for carpentry work.

I pay school fees for my children on time hence they are not sent home for fee like before when I had not started receiving my transfer.

I do not have any new goal because, I am still planning to achieve my initial goal of expanding my carpentry business.