"The biggest difference in my life is that I can cultivate on time since I now own a bull used for ploughing. Secondly I do pay my child's school fees on time allowing him concentrate in class rather than being home for defaulting fees. My dress code has improve because I was able to buy new clothes therefore my self esteem is high as compared to the past when I was laughed at by the community because of torn clothes."

"In the next six months, my life will change in that my business will have picked up well and I would not struggle as I used to. Through the business, I will have resources to meet all my needs in time. I know I will be financially stable because of GD transfers."

"I expect my life to change in the next six months in that I will be having a new house. I will continue to use my monthly transfers to buy building materials which I still lack so that I can have the house."

"The biggest hardship I face is lack of money for educating my childrem. My daughter dropped out of school recently since I could not afford to pay her fees. This has affected her future and she is now being used as a helper in peoples homes."

"The biggest hardship I am facing is limited capital to boost my business. I do sell second hand clothes but I feel they are too few to give me enough money to run the family."

"Inadequate income is my biggest hardship. I am a peasant farmer relying on rain fed agriculture. When the rains delay, I can not do much but I have to wait until when they begin to fall. By the time it falls, it finds me with some debts which takes whatever I had leaving me with no income."

"Receiving this money means renovating my house that I am currently sleeping in. It I not plastered or floored and the dust affects our respiratory sytem which makes us sick. Renovating the house will improve on our health and standard of living. I will also buy a heifer that will act as an investment. This can multiply, provide food for the household and can be sold in future to support the household. I do not have any investment currently that can support me invade of any emergency."

"The biggest hardship that I face in my life is lack of a reliable source of income. We are peasant farmers and we rely of farming in order to earn a living. This is not a relible source of income because, a rent on rain fed farming which is unpredictable."

"I have owned a cow and a goat that will provide milk and help pay school fees for my children in the near future. Secondly, I have got another acre of land that has boosted my crop production. Previously, I didn't have enough money to buy a cow, a goat and I couldn't have got an additional acre of land without this cash transfer."

"I was overwhelmed with joy and happiness when I received this transfer because this money could help transform my well being."