"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."

"My plan is to spend this money for buying animals (cows) and starting up a business . I lost my parents at the tender age and life has been a journey. I have tried working hard to get money for buying cows but all in vain. This has made me stay a single life since in African tradition owning a wife is by giving an appreciation to in-laws. Which is ordinarily cows as dowery. My life will be complete once I marry. Also I will start up a business of selling chicken. This will be an income generatiing activity for my family."

"My life is currently different in that I now lead a happy life than I used to have. The shame of staying in a very small house is now a thing of the past. We have also been able to sit together as husband and wife most of the times and plan on what we can do to improve our living standards and secure the future of our children. As we speak, we have plans of buying a dairy cow and bring to an end the endless buying of milk from outside which is very costly. The money that would have otherwise been used to buy milk shall be diverted into other meaningful investments and better the living standards of the family as a whole."