"My life is currently different from how it was four months ago in that I currently don't overwork myself to meet family basic needs. I spend my monthly transfer on my children school fees and other households daily needed hence I get humble time to plan other things since the urgent one are settled on time. I currently have bigger plans that monthly transfer has triggered in my life like having an improved dairy cow that will help have higher milk production for both household consumption and sales unlike before when I had no other business ideas due to low income and overwhelming family needs that I only strive to satisfy."

"The new goal that I have for my life in the next four months is to buy a cow. I have saved money on amerry go round group and my turn will before four months elapse from now hence I will use the lump sum to bring another asset to my family. I prefer to buy a cow since it will help in milk production for both household consumption, sale and calves that will act as my security for any financial needs arising."

"My life is different from how it was in that we have been able to buy some fencing materials and fenced the farm. Before we fenced, we usually incur lots of losses when cows invade our farm destroying our crops. Having the fence has greatly reduced the risk of loss for our farm produces. We also have enough food for our family since we are assured of the monthly transfer. We budget well and buy enough food unlike before when we sometimes had to go borrowing from opur village mates."

"My new goal in the next four months is to jointly save money with my sons in order to buy a dairy cow. This additional dairy cow will increase the volume of the milk I sell and double my sales in order to meet my obligations as the household head easily."

"The biggest difference in my daily life in the last four months is being able to save in my merry go round group. This is because saving about 1500 KES per month is a huge leap in my financial abilities. Initially, my savings was at most 500 KES but now I am able to save a substantial amount which is enough capital to engage in dairy farming. The savings will be handed to me in the next few days and expand my restaurant business with it. I intend to buy a dairy cow for milk production too. I am hopeful to be a proud mother of my two children because I will afford to meet their needs through the extra -income from the sales of the milk."

"In the next four months, I plan to buy a dairy cow that will help in feeding my family and selling the surplus to meet other basic household need. This, I plan to do by using the proceeds from my farm and saving from my casual jobs to be able to raise the money needed. I plan to buy a cow worth KES 30000"

"My life is currently different from the way it was four months ago in that my house is neat and less dusty because I was able to plaster the floor with the previous transfers. In addition to that, I feel proud because I own goats which I consider as a way of investment. In the future, after they have given birth, I'll sell them and raise money to purchase a cow."

"The biggest difference in my daily life is that I have been able to buy a dairy cow. For a long time we have been buying milk in our household. Buying this dairy cow has reduced the cost of living by a great extent and the money that was initially used to buy milk has now been diverted into other meaningful income generating practices such as farming. We took part in a merry go round contribution to be able to raise enough money that assisted us in buying the dairy cow."

"In the next four months, I have plans of buying a dairy cow. With the proceeds from my onion farming and the savings from the monthly transfers, I expect that I shall have enough money to buy a dairy cow over the next four months. This shall not only empower me economically but also help our family at large in getting the most basic commodity milk which is sometimes hard to find in the village."

"Now that I have my own home, I want to have my own livestock of my own. It was a bit hard rearing livestock in my parent's compound because whenever I bought them, they always assumed that I had bought them the livestock. I want to start from buying goats which I can one day sell to raise money for a cow because I am not able to afford a cow at the moment due to low income."