My life is currently different from how it was before because the transfers have enabled me to complete my house which had stalled for some months after materials got depleted in the process. Secondly, I have been able to provide my family's basic needs effectively. I addition to all these, I have invested my money in a partnership that we mainly deal with herbal medicines and I am expecting to get good returns from it.

Currently, I do not have a new goal. I am aiming at improving and marketing our herbal products, where I have invested my money. I aim to see this business growing and expanding.

On receiving my most recent transfer which was KES 50000, I invested KES 36000 in partnership with others and started a business which we deal with marketing and selling herbal medicines. To me, this is a long term investment which I am hoping to earn a good income through it. Apart from this, I spent KES 15000 to purchase some materials for the completion and painting of my new house. I spent the remaining amount to cater for my family basic needs such as food and paying for expenses.

My life is currently different in that I am financially stable. The income from my business is enough to meet all my basic needs. I used to depend on casual jobs before receiving my transfers and the income I got was not enough to cater all my basic needs such as food. I am now happy since I no longer depend on casual jobs and I do not struggle to provide for my family.

My new goal is to open a beauty shop. Currently, I sell my beauty products in streets and my customers sometimes find it difficult to find me. At times they go to other shops and thus I lose some of my customers hence low income. Opening this shop means that I will be stationed in one location and will be easy for my customers to get the beauty products hence more income.

I spend my most recent transfer to start a new business where I sell beauty products. I have been thinking about the business but I have never get the capital to start the business. When I received my transfer, I was so happy since it was the best opportunity to start this business. I also saved part of the transfer so that I will use it in future to expand the business.

I have a passion for baking, even though it is something I have not done professionally. I am currently doing it commercially but the lack of technical skills and proper equipment such as an oven really makes it tough for me to compete with other bakers in the area. I will use my next transfers to pay for a short course on professional baking then buy some necessary equipment like an oven for efficiency because am currently using a charcoal cooker ('jiko') which is less efficient. Of whatever is left, I will open an M-pesa shop and clear the rest of the debts I owe my friends.

The debts I owed my friends had really taken a toll on our relationships because they felt that I had the money but just refused to pay them. I mostly took different routes just to avoid meeting them because I felt really guilty having taken too long with their money. Ever since I repaid the debts, my confidence has been restored as I am free and less burdened. I am also free to take any route because I am confident I will clear the rest of the debts very soon.

I used part of the money to clear off some of the loans I had borrowed from my friends in our group when I was faced with financial difficulties a while back. I had planned to travel upcountry for the holidays and the money came in handy in terms of transport and shopping for food items and gifts for my relatives. I gave some of the money as tithe to thank God for taking away from me the shame of unpaid debts.

I Was still asleep when a friend of mine came knocking on my door asking for my help on a text she had received but did not know the source. When I read the text, what stood out was the name 'Segovia' which I remember reading in one of GD's brochures. I immediately knew that she had received money from GD and quickly dashed for my own phone to check if I had received the same, and indeed it was true. We screamed and danced for a few seconds before realizing that we would alert our neighbours. We live in a slum where your neighbour should not know if you have something valuable.