"I would like to start a secondhand business and employ someone while I continue with my teaching job. If I can save $200 in 2023, I would start the business and this would help out whenever I need to buy my monthly medicine."

"Immediately I realized that I had received the money I decided that my first priority would be my daughter's education especially since she was about to finish highschool. Therefore with that being said, I ended up spending KES 2,000 on her tuition especially since she was almost on the verge of being kicked out. I then went ahead to spend KES 700 on buying medicine so I could treat my animals because I owned five goats and two sheep. Lastly I used the remaining balance of KES 700 to purchase twelve kilograms of maize because there was hardly any food since we barely made any harvest due to drought."

"I saved my two transfers of $1100 to install water at my home. The whole project was mainly to start a business and sell water to the villagers. The water business revenue has been helping me to buy my monthly medication. I have diabetes and kidney problems and each month I have to go for a check-up which costs me $100. Before the transfer I could not keep up with the medical expenses because of lack of money, so most of the time I was weak and could not work. I stayed home depending on my husband and children. My husband is a farmer and most of the time he is the primary earner in the family. The Revenue from my business has helped me buy medicine and food for my family without strain."

"I got the money and kept huge portion because, I'm planning on carrying my son to harbarlist. He has been sick for the past years. I used portion of the money to buy some medicines for him. I also used some to buy zinc, in order to change the roof of the house. Though my son is sick, but I need to change the roof of my house. I'm so happy that I have money that can help me start the 2 major processes."

"I am grateful to the organisation for hornouring their pledge and sending me my first transfer. My health is getting better each day though not yet fully thanks to the money from the transfer that helped me buy medicines. I am optimistic that my health will significantly improve and regain the energy to go to the fields and tend to my livestock."

"I am expectant with a six-month pregnant. I feel alot of pain in my lower belly since the fourth month. I went to the nearby health centre for medication and got some medicine but there is no improvement. I have no money to go see a specialist. This is the second pregnancy and the first one did not have such challenges. I am so worried about my health and the baby. This is the current challenge I am facing."

"The main challenges that am currently facing have been brought about by the state of my health. Last year June I was unfortunately diagnosed with diabetes and things have changed since then. I have to attend monthly clinics that cost me $15 every month and I am a person who depends on casual jobs that pay $2 a day. This is an amount I cannot raise and I have been depending on well-wishers in the village to pay for the clinics and my medicines. I had thought of joining the national medical insurance fund but I wouldn't be able to pay the premiums that cost $60 annually. This health condition has also affected my vision slightly and this has led to difficulty in doing casual jobs that earn me a living. Employers, therefore, do not want to give me work anymore because I struggle to complete it."

"I rely on livestock keeping to earn a living but it comes with its own share of challenges like diseases. Sometimes it is expensive to purchase medicine and vaccines. Three months ago, I lost fifty goats to a viral disease which was a big loss. We have never recovered financially from it at thesame time we fear investing more in livestock. This could be controlled if we had better veterinary services in our area which I feel is a lapse from the government."

"I am an old person who relies heavily on my carpenter son for financial support. My health has recently seriously declined, forcing me to use home remedies because I don't have the money to go to the hospital. I spent $1 on some prescription medications (pain relievers) when I got my transfer to help with the fever. I spent a significant amount of the $23.5 transfer, in addition to purchasing medicine, on food. I had to buy food in large quantities to ensure that I would have enough to eat for the upcoming weeks. I sometimes have to skip meals or accrue debt by buying food on credit because my son can't always send me money. Finally, I bought new clothes with the remaining $5.5. I had two shabby outfits that I had been wearing since the beginning of the year. I'm glad that wearing the new clothes will make me appear more put together and self-assured."

"My husband and I both work as casual workers and make our living by selling charcoal. The money I make from selling charcoal is not enough to support my family's needs, which include paying for food, medicine, and school expenses. Five of my children are currently enrolled in school. While the other four are in primary school, my oldest son is in secondary school. The five children collectively owe their respective schools a significant sum in unpaid school fees, totaling $110. Given that I have many other needs, this is a sizable sum that I am unable to pay. As a result, after receiving my transfer, I spent $20 on partially clearing the enormous debt my children owe their schools in order for them to be allowed back and to continue their education. I used the remaining money to purchase food for the family so they wouldn't go hungry in addition to paying back overdue school fees. I'm appreciative that the cash made it easier to avoid having to skip meals for my family because there wasn't enough money."