"I intend to build a kitchen house .For now I stay in one house and it is not good for me since the smoke make the house uncomfortable for abode. The clothes also picks the smell of the smoke. I have always wanted to own a kitchen house and this is a perfect moment to build one . The cost of the kitchen house will cost me approximately USD 3500. The rest of the money will go towards the purchase of a dairy cow ."

"Daily I have been buying milk for home consumption costing around 3,000 shillings every month. This is costly for me because I depend on masonry as a source of income where by sometimes on a good month I earn around 10,000 shillings. This is suppose now meet family basic needs and school fees for my children. My desire has been to purchase a dairy cow to end this high cost of expenditures and as well as to add my source of income from its produce. God willing if I received this money I know now my family will own a daily cow worth 30,000 shillings and use the rest of the money on renovating my house and other expenditures."

"The main economic activities in our area are charcoal burning and aloe vera extraction. These activities are very tough and their returns are very low such that they can not fully cater to our basic needs. This has affected even the education of my children since they cannot advance their studies due to lack of money. Hence, I consider financial instability as the biggest hardship that I have ever faced in my life."

"I dropped out of school in 2017 due to lack of school fees. I am a second born son from a polygamous family. My father had 4 wives of which my mother was the last wife and she was younger among the four wives, she was married at the time my father was old and tired . Due to that my mother had to be independent in everything this led me to cease going to school due to huge school arrears. As a breadwinner of the family I was forced to engage in casual jobs at nearby town of which I earn 200 Kenya shillings in a day, this is insufficient to meet daily basic need of 7. Receiving this money therefore, will be big help to me. I plan to use 40,000 Kenya shillings to construct my house because the one that i am in now is small given that I recently got married and my family will expand. I also plan to use 20000 Kenya shillings to clear school fees for my siblings because I don't want them to be like me, 15000 to purchase goats this will be for sale since they procreates so fast. The rest of the money, I plan to open a business of selling vegetables because it does well in this area."

"I have two cows but one of them is not mine. So when I get this money i would like to buy a dairy cow. A good dairy cow cost around 300 dollars. My husband works as a tutor in the nearby Polytechnic. His job is contract and can come to end at any time. He wants to study architecture so that he can start his own company. We expect to spend around 700-850 dollars to complete the course. This will enable us to get more income."

"As a widow and an aged person in our area where vending charcoal and aloe vera extractions are the jobs, it is very difficult to get all the expectations of a household especially the very basic needs like food. This means depending on my 2 children who are doing casual jobs that are not reliable. Sometimes, I even skip some meals when my other relatives also fail to provide for me. Hence, I consider the lack of a reliable source of income to be the biggest hardship that I have ever face in my life."

"My husband is a water vendor at Mombasa, a job that earns him only $5 per day. This income is very low and it cannot fully cater to our basic needs something that has forced me to engage in very strenuous activities like charcoal burning to supplement his little income. Therefore, the lack of a reliable source of income becomes the biggest hardship that I have ever faced in my life."

"I have for a long time suffered from pressure and ulcers but due to the lack of money, I have never sorted it out and this has robbed my joy in life. I mostly feel unhappy when my condition worsens and I have always wished to seek proper medication but all in vain. Therefore, I have always considered financial instability as the biggest hardship that I have ever faced in my life."

"The biggest hardship I have faced in life is inadequate finances to bring up my child. I have only one daughter who was diagnosed with yellow fever at birth after treating it she became disabled. Since then it has been difficulty to raise up funds for her medication and our daily needs since I have no one to depend on."

"Unemployment is the biggest challenge that I have ever faced in my life. Having a young family and still expecting more children in future without any source of a stable income makes me get worried about the future of my children. Waking up and just sitting at home disturbs me a lot. With the young children who need my attention, makes it difficult to even go out to look for casual jobs like washing other people's clothes since my children will want to follow me and may cry if I leave them behind. My husband also has no source of a stable income since he depends on casual jobs that earns him less than $20 a day. This has really contributed to us living a miserable life here."