"Now that I am earning a better income from the new firewood business that I started using GD transfers, I want to save as much as possible so that I can eventually be able to buy a motorcycle. Before this can happen though, I need to clear the loan I took from a Sacco to add to what I had saved from GD transfers to be able to set up the business, after which I can focus on the motorcycle which I will use to deliver firewood to my customers and even hire out for transportation services at a fee."

"I received message alerts on my phone early in the morning and on checking to confirm who the sender was, I realized that it was from GiveDirectly. It was informing me that I had received my first transfer into my Mpesa account. I could not contain the joy that instantly filled my heart. I celebrated with my family as we gave thanks to God and to GiveDirectly for the money."

"I used part of the money I received recently to clear school fees for my daughter in kindergarten as she had some arrears from last term and I was afraid she would soon be sent away from school due to delayed fee payments. I have not yet spent the rest of the money which I decided to save in my bank account for my future business plans."

"My sister had been very sick for the past four months, so I had to quit my business to attend to her while she was admitted to the hospital. This made it so hard for me to cater for her medical bills because I had no source of income and I was forced to take a huge loan from a friend which I have been repaying using part of my monthly transfers. I also paid the rest of the money that I received to a group we had formed when we began receiving these transfers with the aim of pooling funds together since we intend to buy a plot which we can later develop or subdivide among ourselves."

"I had invested part of the transfer on planting some potatoes and believe in a few months from now I would have harvested. The money which I will earn from this with the transfers which I would have saved by then I will spend bosting my dairy farming."

"In the next six months, I would expect my life to change in that, I would have managed to buy a cow and the earings which I get from the sale of Green tea leaves I would spend on other family investment like poultry farming to earn me more cash to improve our living standards."

"In the six months, I am hopeful that I shall have saved enough money and bought cement and sand for plastering my house. The thought of being infected with jiggers will not cross my mind ever again"

"In the next six months, I expect to have started buying building materials in preparation for building my new spacious house. I hope I shall have saved enough money."

"The small hut i live in with my family is too small and is leaking now that its on a rainy season, something that has brought shame to me since i lack a reason to give to my children whenever they ask me why this is happening. I therefore plan to build a three roomed iron roofed house to mark an end to all this. I will use part of the money that remains to buy my own cow since the one i have in my farm belongs to a relative who allowed me to keep for him and will soon be coming for it."

"Two years ago,I was diagnosed with heart disease which denies me a chance to engage in strenous activities which could have earned me more income. I work as an househelp in my neighbour's house, a job that fits me healthwise but at the end of the month, the money i earn (ksh 2000) is barely enough to provide for my family. My husband on the other hand is athritic and is too old to work which means i am the sole breadwinner of the family. This is the biggest hardship i am facing"