My life is currently different in that, I used to earn a little income from my groceries business which was almost collapsing. Since I boosted the business, the sales have gone up and with the profits, I have been able to meet my family's needs as well as paying school fees for my children is no longer a struggle.

I have been eying cereals business. With the research I have done I believe its profits margin are good even though the initial capital is intensive. I am planning to raise funds and start selling cereals. Besides that, I have always dreamt of rearing a cow to harvest milk.

The biggest difference is that I have been able to boost my business stock. I am an entrepreneur dealing with groceries. My stock was low and my business was almost collapsing. In the past four months, I have been able to use my transfers to boost my business by bringing in stock. This has seen my business pick up so well and the sales have increased.

Even though the capital for starting cereal business is intensive, God willing come next six months, I will have raised some amount to enable me start the cereal business on a small scale as I track its growth.

The difference in my life in the last four months is that I was able to pay back a loan I took from our table banking group. I used the loan to pay school fees arrears for my two children who had been sent home for the same. They had stayed home for two weeks as I was still looking for the money. My business could not sustain all our needs and I decided to take a loan to pay the arrears. If it were not for the transfers, I would not have managed to pay back the loan and I would have lost some of my properties to the group as a way of recovering the money.

My additional goal in the next four months is to improve my grocery business to a cereals business. I know with this business, I will have a stable and good income from the profits of the business. The income will help me meet my needs easily without many struggles.

In the past, I did not have any type of livestock in my life. I had desired to have at least a goat or a sheep in my compound. Due to the low income from a small grocery business which has been my main source of income, I was not able not to achieve this goal. I had given up on the goal and focussed on meeting my family basic needs. When I started receiving these transfers, I revived the goal because I saw hope in the transfers. I used part of my transfers to buy three sheep which I am keeping as an investment for my family. I don't feel as poor as I was before the transfers.

I expect my life to change in the next six months in that I will be having the cereals business which I have always desired to have. Now that I have fully paid back the loan, I want to focus my transfers on improving the business so as to improve my life from all these borrowings and beggings.

My main source of income is selling grocery and from the business, the profits have always been meagre because the business is a small scale hence sustaining my family's needs has been difficult. At times, I had to go out of my ways to do causal jobs since my spouse has never been supportive. Currently, my life is different in that I have been able to expand the business and now the profits in combination with the transfers that I receive every month enables me to provide for my family's needs comfortably especially food.

My new goal for the last four months is to start a cereal business with the aim of making an extra income to be able to boost my household income since the grocery business which is my main source of income is not making much.

My main source of income is selling grocery, the profits from it were not enough to save and purchase a sheep to start keeping livestock that I have always desired. The biggest difference in my daily life in the last four months is that I have been able to buy a sheep with the savings from the transfers. This sheep is to gather for the unforeseeable future once their population increases significantly. I will be able to sell some of them to cater for emergencies such as paying school fees for my three children and even to buy household items.

I expect my life to change in the next six months in that I shall have saved money and use it to start a cereal business to make an extra income. I believe from the extra income I will have ease in paying school fees for my children hence they will no longer stay home for a long period of time due to school arrears and also their performance in school will be excellent.

I am now in a position to buy food for my family and provide for their needs as expected. It is so hard for my family to go hungry.

I will be able to pay school fees for my child who will be joining form one in the coming year. I will therefore have to save as much as I can to meet the required amount.

The money has been of help tome because right now been able to buy three sheep that will eventually give birth in the near future and increase the size of my livestock stock. I will then be able to sell them out and make some cash out of the transaction.

I expect to have a change in my life by being self-reliant and self-employed by starting a small scale business of selling second hand clothes and also starting a boutique because I know it generates a lot of income.

I recently bought a goat, and I am now planning to buy a sheep of my own.

I will have bought a sheep that I will be seeing everyday, and in case I run broke I will be able sell it and earn some cash out of it.

My life is currently different because I am able to take care of my family comfortably unlike how I used to struggle before. I am also in a position to make financial plans and execute them as I wish even without some assistance from my husband.

I am planning to save my cash so that I should be able to pay school fees for my son who is yet to join secondary school.