"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."

"I have spent my first transfer to buy three cows at Ugx1300000 and pay the medical bills for my family members at Ugx200000. I also bought two mattresses at Ugx200000."

"My new goal for the next few months is to ensure that I save enough money to enable me buy a dairy cow for rearing."

"The new goals that I have for my life in the next four months are to start a poultry farming since it is affordable and require small space to develop it and since I joined a Juhudi Kilimo Sacco I am planning to take a loan then use it to buy a dairy cow which will help me have more milk production for both family consumption to retain the order I have with the school where my child school in hence will make my child school fee payment affordable and easy."

"The new goal that I have for my life in the next four months is to buy a cow which will ensure I have more supply of milk for both consumption and sales. I also have a plan to lease a piece of land purposely for use in expanding farming activities."

"My life will be different in the next six months. I will have stopped the tendency to work on peoples farms for cash. Lacking money or source of an income to provide for my family and this pushed me wandering from place to place to working. This could only come from doing menial jobs for very low wages.. since I started receiving the money, I get a lot of time to work on my farm. I pay attention to my cow and farm leading to higher production."

"Four months ago paying school fees for my children in secondary school was quite a challenge. I also did not have a saving culture. My children could stay home sometimes due lack of school fees and this caused a lot of distress for me and my husband. At the moment the transfers got us covered as far as paying school fees is concerned. We are much happier unlike four months ago. We have also been saving through a table banking group that we formed and soon we are going to reap from it by buying a dairy cow."

"Being a jobless mother of eight children that only depend on irregular, low paying casual jobs, goals in my life has only been seen in my dreams. I spent all I could get in on my family basic needs and the extra could give my children as their pocket money. I had a wish that one day I will have something that my children will inherit from me and this was made possible by the cow that I recently bought. I expect it to multiply hence have more and more to give each one of my children in the near future. I am so happy always when I see it grows."

"In the next six months, I will have bought over 6 goats and I am planning to sell them at about KES 4000 each. From this, I will get money that is enough to buy a dairy cow which as soon as it calves we will get milk for my family's consumption and the extra for sale. I also joined a savings group of 10 people where we contribute KES 1500 monthly out of the transfers. In the sixth month, these savings will have matured and I am going to spend them as capital to start a business dealing in cows. I have done this business before and I am certain of high returns that will help me meet my family's needs more easily."

"My expectation for the near future is to first finish building the house that stalled from lack of funds. This will allow us live in a more comfortable and clean house. I am also planning to buy a dairy cow for rearing that which when it reaches calving, we will have enough milk for use at home and the extra sold for some income. I also want to ensure that we do lack food by ensuring that I improve on my farming."