Apart from the monthly savings, I have been through the merry-go-round, I have a new goal in the next four months to buy a heifer. I have been contemplating for such a long time to start a livestock farming but sourcing lumpsum finance to start it has been hard. Now that my turn to receive the table banking accumulation, I feel it is the right time to purchase at least a heifer.

Upon receiving the transfers from GiveDirectly for the last four months, I have been able to make a lot of savings which through the table banking in the form of merry-go-round we have been doing. This to me has brought the biggest difference in my life since I have been able to lay down some great plans.

With the current plans I have with the monthly transfers, I have been receiving, I have great future expectations and in the next six months, I am hopeful that I will have purchased a heifer.

It is my happiness to have completed a new house thus I have room to plan for other goals in my family. In the next four months, I plan to join a merry go round as a saving plan to help me pool some money. I have a plan of buying new household items like furniture and beddings to replace the old ones we have thus pooling some money on a monthly basis will help me achieve my goal in the near future.

Having a new decent house to me is the biggest difference in my daily life. I had no hopes of constructing a new house for myself due to inadequate resources. I have lived in a pitiable condition due to the pathetic situation of my house. It was getting small to comfortably accommodate me and my siblings. I am thankful to GiveDirectly for financial assistance. Currently, I am so happy I have constructed a new house. I managed to purchase enough building materials which include iron sheets, poles and paid a carpenter to construct. I feel this is the biggest difference in my daily life since I currently live comfortably in a separate room with my siblings.

In the next six months, I expect an improved living standard. I expect to have fully furnished my new house and to have bought new beddings thus will have a comfortable place to spend my nights at. I expect raising my daily household needs will be much easier since will spend more of my income on having completed what has been pressing me.

I now have a new and bigger house and this has brought comfort and satisfaction in my life. I have also been able to meet most of my basic needs without having to struggle or ponder on where I can get the money for various uses. The poultry project that I started shall also bring me more income in the long run and make the cost of living much more affordable for me. This is how my life is currently different from how it was four months a go.

I do not have any new or additional plans over the next four months except to improve on my newly built house. I want to make a small extension of my new house since I have plans of getting married soon enough. The proceeds I get from GiveDirectly shall be of great assistance to me in making me realize this. I plan to do this over the next four months.

When I started receiving these transfers, I saw it fit to join a merry go round that was started by GiveDirectly beneficiaries in our village. The merry go round contributions saw me get KES 10000 and this money was used to build a new house. For a long time I have been living in a very small house that was too uncomfortable for me and a little too embarrassing to be associated with it. I have had a burning desire to build a new house but the little amount of money I got from my casual job could not enable me to save up for this and at the same time meet my daily basic needs. I am now a proud owner of a brand new house and I am so indebted to GivDirectly for making this happen.

I expect my life to change over the next six months in that I shall improved my poultry keeping project. I just started this project recently and I have not been able to reap any profits from it. I want to use the monthly transfers to improve on the stock, build a poultry house and buy feeds for the chicken. This project shall definitely bring forth a difference in my life and be a gateway to initiating other new and bigger projects.

Now I am so happy seeing my mother living in a very good two-room semipermanent house. Now she can get clean water which she harvests from our iron-roofed house, therefore, she no longer gets to go to neighbours place to fetch clean water for domestic use.

It' is now my new goal to build my own house where I would live on my own. At the moment, I and my three brothers occupy a single-roomed old house which was built for us by our parents. The house is not spacious enough to accommodate all of us and feels that I should have my own house. I intend to save my next transfer to enable me to build a good house where I can enjoy my own privacy and enough space.

The biggest difference in my daily life in the last four months preceding the current transfer is that we built a new house for our mother. Before she uses to live in a grass touched house which had a leaking roof and during a raining season, she would suffer from pneumonia. I am now happy that we have a new house and am no longer ashamed to take my friend home as before I would fear to take them as the house had was in a poor condition.

In the next six months, I would have built my house an would start saving to buy a heifer. As a young adult, I wish to own some livestock which will enable me to pay for dowry when I will get married. I will have bought at least one heifer and will be living a happy man knowing that the future is well set to start a family.

My life is currently different because I am happier than before. This is because we built my mother a house which she is currently living.

In the next four months I will have accomplished my mission of building my own house. I am currently living with my sibling in small house that was built by my parents. I feel I am grown enough and I will house myself through the assistance.

My life is currently different because I am seeing my mother living in a good iron roofed house. Previously, she was living in a grass thatched house which sometimes leaked on rainy seasons. I am now happy because she is just staying in a good house courtesy of the transfers form Give Direclty

In the next six months I will have be living in my own house after building it. I will be so much happy because I will have given my siblings enough room to live in.

My new goal is to buy to buy a cow.I will be producing milk for my consumption so that my family and I will enough for daily use.

I would not have had the plan to buy a dairy cow .This would have taken me a very long time to achieve because i would have been struggling to meet the basics as a priority.

In the next six months, I will have build a house and gotten maried.I will also have dressed well.

The biggest difference is that I can afford food everyday.I am happy because I have food with a balanced diet.I am so happy and also feel so well just as the rich in the village.