"The biggest difference in my daily life in the last four months is that I was able to buy three goats. To me, this is an achievement because my livestock has increased and the goats I bought are almost giving birth. In case of an emergency, I can sought my self out without asking for loans. I feel confident and can face life with lots of courage since my assets have increased. I can sleep peacefully knowing there is something that I can hold on to in case life turns into hell, like it at times does. I bet I could not have reached this far with my charcoal business alone"

"I spent my first transfer on paying school fees for my two children. They had been sent home for the same and I had to go talk to the teachers to allow them back in school as I was still looking for the money. They had stayed home for two weeks and still, nothing was forthcoming. I got worried and decided to talk to the teachers to help me as I was still looking for the money. I also used part of the transfers as fare to attend the funeral for my late grandmother who died in December. The remaining part of it, I used in buying a goat. This is an investment which I can later sell to raise money for other emergencies. The value of the goat increases on daily basis and it does not require much to keep it. When it reproduces, I will be able to sell them and buy cows for my parents. This will reduce the poverty level in our family."

"In the next six months, my plan is to buy goats each month from the transfers and the earnings from dairy farming. I am planning to buy these goats as assets for sale. My son will soon be joining a secondary school and when that time comes I will sell them and pay his school fees."

"My new goals for my life for the next four months is to save some money to buy a dairy goat and when they will have given birth I will sell them to buy a dairy cow to cut the cost of buying milk. Currently, I buy milk and its so costly for me."

"I had only one goat in my home and increasing the number seemed impossible to me for it required much money. Through the transfer, I increased the number of goats by buying ten goats to keep in my home as my own assets. To me, this is the biggest difference in my daily life."

"The biggest difference is that through the transfer I acquired the livestock, the cows and the goats for which previously I had none. I am happy that I have some assets to keep in my household as security for the future."

"I expect my life to change in the next six months in that, I will have built a kitchen hence will not be cooking outside which is normally uncomfortable especially when it rains where I normally have to incur an extra budget of buying charcoal. I will also have built an animal shed for my goats."

"In the next six months, I would want to buy a cow. This is the kind of investment I have always wanted in my life. I have never had one due to my low income from casual work. I will take care of my goat which I bought with part of the transfers and when it reproduces, I will sell them to buy a cow. I know my dream of having herds of cattle will come to pass through the one I will buy."

"Currently, my life is different in that I have been able to buy three goats. Through this, I hopeful that they shall reproduce and I will sell some to get money which I will use to buy a dairy cow to make an extra coin by selling its milk."

"I spent my first transfer on a cow of Ugx480000 and a goat of Ugx75000. I also bought two bags of groundnuts at Ugx200000 for planting in the next season. I saved Ugx400000 but the rest of the money was spent on household items."