"The transfers came in during the beginning of the rains and it was tilling season. I spent $25 to have a portion of my land prepared for planting before the soil got heavy and it would be difficult to till. I then spent the $9 left in April to buy flour for my family. I spent $15 for paying school fees in May for my children, I split this to $5 for each of them. I also bought food worth $19. In June I bought a goat and chicken for $18 and $3 respectively and I also spent $13 on food."

"I have been saving to my mobile money locked savings account whenever I can or have some money to spare but also more intentionally from the transfers I receive. I saved $20 in April and the same amount in May in this account. I have also bought a couple of chicken using part of the transfers. In may and June I spent $4 to get three chicken. Since I still live with my family I have been contributing $10 monthly to the family food amount to ensure access to sufficient food by everyone. In The month of June my brother had been sent away from school and I gave him $20 to reduce his school fee balance."

"In the month of April I bought a sheep worth $40 but since I did not want to spend my entire transfer on purchasing the animals I made a down payment of $20 to the sheep seller and afterwards added another $20 from my May transfers to clear the balance. The cash I was left with April I spent $4 for my child's school fees and $10 on food. In May I bought a chicken worth $4 and chicken feed worth $2 for my other 5 chicken and I also spent $8 buying food. In the month of June I got a mattress, mine was worn out and not in the best position. I got a mattress worth $25 and I also bought medicine for my goat as well at $7.5 and I got some sugar for tea even as my child goes to school to get something for breakfast."

"The transfers always come in when we need it the most. In the month of April my girls in form one and form four had been sent away from school since we had not paid their school fees, I received my transfers shortly after they arrived and I redirected it to sort out their school fees. I divided $28 equally among them. My children in primary school were also required to register for exams and I also divided $4 among them. The remaining $2 I bough a chicken which now is the source of the eggs we have been enjoying. I may since I had already sorted school I bought a goat at $30 and then used $4 to get flour and sugar. I was again required to pay school fees for the girls in secondary school in June and so I sent $15 to each of them and then bought flour for those at home as the money came in when we had nothing in the house in terms of food."

"I have been working in a grocery store as a shop attendant and I have had a chance to observe the way it has been with that business. The business does so well because the drought has made us reliant on buying our food. My hope is to start a grocery shop of my own. Probably start with potatoes and work my way up to other goods. I believe having this business will give me a chance to focus my finances on educating my children. I will also be able to add some more animals, I have bought some goats and chicken and I hope to add to this maybe buy some more goats and chicken which I can always sell when they reproduce and become many."

"With the aim of expanding my income and assets, I have decided to invest in the poultry business by raising chickens. By allocating funds towards this venture, I anticipate the eventual sale of chickens, which will provide me with the means to acquire a goat as well as generate additional income. This strategic investment will enable me to diversify my resources and take steps towards achieving my financial goals."

"I was filled with anticipation and determination as I set out to pursue my dream house. I invested $20 in sturdy metal sheets, envisioning the walls taking shape and bringing my aspirations closer to reality. This step ignited a surge of excitement within me, fueling my commitment to achieving my goal.Seeking additional sources of income, I ventured into the world of poultry. With $10, I acquired two chickens, seeing them as potential assets for future financial stability. The presence of these feathered companions filled me with hope and optimism, as I imagined the possibility of their eggs contributing to my income. Recognizing the importance of personal expression, I decided to allocate $2 to enhance my wardrobe. It was more than just buying clothes; it was about expressing my identity and boosting my confidence. Each carefully chosen garment became a symbol of self-assurance, preparing me to face the challenges that lay ahead. Every decision I make is driven by hope and determination, as I navigate the path towards realizing my dreams. The remaining $2 I also bought food for my entire family and each step forward fills me with purpose and an unwavering belief in the brighter future that awaits me."

"I currently reside in a small house with my two children. Unfortunately, due to the limited space available, three of my children are living with their grandmother. To support my family and work towards a brighter future, I have taken up selling chewing sticks at Mariakani. By diligently saving from my earnings, I aim to accumulate enough funds to initiate my own project. Additionally, I intend to invest in chicken farming as another avenue for income generation. With careful planning and perseverance, I am determined to improve our living conditions, bring my family back together, and create a more secure and prosperous future for all of us."

"Once an active motorcycle driver, my life took an unexpected turn when I suffered a severe accident, resulting in broken arms. While recovering from this unfortunate incident, I have been contemplating new opportunities to secure my financial future. One idea that has caught my interest is investing in chicken. I plan to purchase chickens and nurture them, patiently waiting for the right time to exchange them for goats. By carefully managing this investment, I hope to accumulate enough value that can be utilized during challenging times, such as paying off any outstanding debts that may arise. This strategic approach will not only help me recover from my current setback but also pave the way for a more stable and resilient future."

"I spent a portion of the recent transfers on paying fees for my granddaughter, who is currently in junior high school. Her mother passed away and has been relying on me for her fees. Her father could have helped, but he also abandoned her. I am now responsible for her education, but raising her fees has been difficult. I am sick and elderly, and I am no longer working like before, where I could earn some money through menial jobs. I was worried that my granddaughter would be discontinued due to the fee arrears. After receiving the transfers, she has been attending school because I paid her fees on time. I am no longer concerned about her education because I can now pay her monthly tuition. In addition to fees, the recent transfers have also enabled me to purchase some iron sheets for the construction of a house. I had one, but it collapsed many years ago and since then I have been seeking shelter from neighbors at night. I resolved to buy some iron sheets every month until I have enough to start the construction. I will be happier having my own home where I can live peacefully rather than relying on the homes of my neighbors. I also used part of the transfer to purchase foodstuffs such as maize flour and $5 to purchase two chickens, which I am currently keeping on my homestead. I can also rely on the chickens to pay for my granddaughter's fees as she continues with her studies."