I have always lived in a life where I spend everything I get. I was not so much into saving until I started receiving these transfers. The income from the ice cream business I had was not much hence I used to spend everything I got on a daily basis. Ever since I started receiving these transfers, I have always had what to spend and some amount remaining which is a very big difference in my life. As from this point, I embraced saving which has brought a lot of change in my life. I have also reduced my daily spending and using most of my finances on savings. I am glad when I have any financial emergency, I do not go for loans but use what I have saved. Thanks to GD.

In the coming months, I still want to stabilise my cloth business which I have started with the transfers. I started the business with small stock and I would want to stabilise it with these transfers so as to boost the stock and profits.

I spent my transfer on starting a cloth business. I have been doing an ice cream business and due to the cold weather we are experiencing now, I decided to venture into another business. The ice cream business was not doing well. The rest of the transfer I have saved and it will help me in case of any financial need.

Today, I am a proud self-dependent businesswoman courtesy of GiveDirectly. I had been a slave of low-paying casual jobs like washing people's clothes in Eastleigh where on bad days, I could go without money leaving me with an option of depending on my old grandmother. This work had a lot of demands hence I would get engage the whole week meaning I didn't have time for myself and my child's as well. Having this business has given me peace of mind and hope because I am able to take care of myself and my baby too using profits from the business. I am no longer a burden to my grandmother anymore instead I support her.

My new goal is to make ice cream by myself through buying a freezer because this is the main equipment which I lack that will make my business successful. I prefer making it on my own because I will get more profits. Currently, I have to buy them each at three shillings and sell them each of them at five shillings, getting a sales of three hundred shillings in a day.

Before, I used to do laundry around Eastleigh which was unreliable since most of the low income earner rely on around Nairobi . Therefore, I spent part of my transfer to boost my ice vending business. This is because the business was at the verger of collapsing since the larger part of the capital I had spent on attending to another agent emergency . Having this business means a lot to me since I get a daily income of 300 KES. I have saved the remaining amount since I intend to use the saving to buy a freezer hence I will be able to make ice by myself, at the moment I am buying at a wholesale price in a nearby wholesale shop.

Currently, my life is different from how it was in that, I am self depended. I do not depend on casual jobs like washing people's clothes which were unreliable. At times I could go without money a day, leaving me with an option of depending on my grandmother. This to me was giving her a burden because I have a child who was also depending on her for basic needs. Having a reliable business has made me a happy mother because I am able to take care of myself and my baby too using profits from the business that I started with the previous transfer. I do not bother my grandmother anymore.

My new goal is to make ice cream by myself. I prefer making it on my own because I will get more profits. Currently, I have to buy them each at three shillings and sell them each of them at five shillings, getting two shillings as profits from a single sales. I just want to work hard and buy a freezer because this is the main equipment which I lack that will make my work easier and my way to success.

I spent part of my transfer to boost my business. I normally sell ice to the school-going children. The business was almost collapsing. I did not want to give up on this business just because I didn't have money to boost it. When I look back on the kind of casual jobs which I used to do like washing people's clothes which is unreliable, this new one is way better because at least I get income every day. I am glad that it is doing well. I finally kept the remaining amount as savings.

I am planning to purchase a freezer to help me store my ice cream once they have been prepared, this will help save on the money I pay to rent a freezer. Meaning I will save more and earn more.

The biggest difference is that I can now sell my ice cream with a decent cooler that keeps them cool and nicely cold. Initially, they used to melt and I was forced to lose many customers. But now they are solid and they attract more customers.

When I received this recent transfer, I was able to purchase a cooler for my ice cream business. This has been plan ever since but I had not gotten the resource to start up. The remaining amount I bought ice cups. This is currently a source of income for my household.

The moment I received this transfer I was very happy and filled so much joy. I knew I was going to improve my business.