"The biggest difference in my daily life is that I can now cater for my family needs with much ease unlike before. This is because having a dairy and poultry keeping projects running at the same time has made me climb a ladder economically. I can now supply milk to a cooler plant in my region and my family takes eggs at times which has is more nutritious."

"I expect my life to change in the next six months in that I will be having a cereals business. After plastering my house, I want to save my monthly transfers in a table banking group and use the savings to start a cereal business. I would want to boost my income so that I keep providing for my family as I have done since I started receiving the transfers."

"In the next six months, I want to focus my transfers on savings. I have a dream of owning livestock and I cannot achieve this if I do not sacrifice. This is why I have chosen to invest my transfers on savings which will help me buy the goat I am planning to have. Since I have experience with GD and how they sent transfers without fail, I know I will achieve the goal in the next six months."

"I'm planning to save some of the coming transfers and later add to some of my savings and use them to purchase modern machines for my carpentry workshop. The machines cost KES 75000 and I expect to have raised this much in the next six months. I'm hopeful that my income will have improved by then because I'll be able to make more furniture in a day as compared to what I'm currently doing."

"I expect to start up a business to help in the generation of income. I wish to save part of the transfers and buy the stock to help set up a business which will be the main source of income for my family. We can raise money from it to help in payment of school fees for kids, buying of daily food for consumption and also buying clothes that help us look more decent and presentable."

"I expect to buy more stock to help boost my business to increase the generation of income which we can use in paying school fees for the children and buying food for the family."

"The moment I got the money, I felt very excited because this would enable us purchase motorbike for easy movements to the shop and to church since my husband is a cleric."

"I'm planning to start up a business with part of the coming transfers. I'm expecting that it will have picked in the next months and hopefully, I'll be earning a better income which will improve my living standards."

"I am staying in a small house that is why I am longing to have a better one that is more spacious and can comfortably accommodate my growing family. I am a fisherman and the little money I can from my work I use to support my family, now that I have an additional source of income from Give Directly, I have started saving towards buying building materials. I am very optimistic that I am going to have a better one in the next months."

"My life is much better and relaxed because I was able to officially marry my wife. I paid all the dowry and this has relieved me from the in-laws' pressure. The family is much happier because we reclaimed all the plots of land that had been attached as collateral for the loans we acquired."