"I have always wanted to venture into livestock farming to help generate income for the family. I wish to save more and buy livestock for rearing for the financial security of the family. I can sell the livestock to get money to pay school fees for my children, buy them food for consumption and nice clothes."

"The biggest difference in my daily life is a feeling of happiness seeing that I am building my permanent house. This is because it will relieve me from the burden of buying and renovating my grass thatched house yearly. Having this permanent house will also help me now divert the monies I would use to renovate my hut into something else like feeding my family."

"My agreement with my landlord was that I should be paying my rent by the fifth of every month. This month, I delayed because I was unable to raise the money before the agreed time, so my landlord had given us an eviction notice which he actually fulfilled when he came to throw my family out. My wife was, however, able to convince him to give us one more day as we expected to receive GD transfer which came the following day. When I received the money, my first stop was at the Landlord's door to pay the rent to avoid more drama, then the little I had left was spent on foodstuff and other critical household needs."

"I expect my life to change in the next six months in that I shall have built a new brick walled house. The house that we are currently staying in as a family is too old and a grass thatched one. During the rainy seasons, the roof is often leaking and this has been giving us a lot of discomfort as a family. We have not been able to build a new one in the recent past since we were struggling to pay school fees for our child and now that she has completed her education, we can be able to divert all the resources towards building a new house."

"I expect my life to change in the next six months in that I shall have fixed an iron sheet roof and replace the grassed-thatched one by buying building materials every month with the sent transfer. This is because at the moment the leaky grass thatched roof of my house is in a deplorable condition which has made it risky for our habitation."

"In the next six months I expect my life to change in that I will have more income from both horticultural farming and dairy farming and the increase in income shall definitely provide us with enough money to pay school fees and meet other family needs. We can be assured that our children are going to get the best education free from hindrance of lack of school fees and this shall mean that their future will be secured and we be proud as parents."

"With my wife's business that we are planning to start, I hope that she will have a better income in the coming months so that we can be able to take care of our household needs without having to mostly depend on our children as we do now."

"Previously, I used to sleep on sacks on the floor as well as my children. This was embarrassing and uncomfortable, unfortunately, that it what I could afford by then. As a farmer whatever little I got was met for food and a few household expenditures hence having a decent bedding was luxury. Therefore my life is different from how it was if I never received the transfer in that, I sleep in a decent place because I have been able to buy a heavy density mattress. My house is also lit because I managed to buy a solar lantern. Before, I had been using a traditional lamp which was disadvantageous to my family because the probability of this house getting burnt out of negligence was high. At the same time buying paraffin was also expensive."

"In the next six months, I will have a joint college and this will be my the beginning of my journey my career. I am planning to pursue accounting and believe that after I graduate I will get a job and will be independent financially in future."

"The biggest difference in my daily life is that I now own a pair of oxen. I have been having an interest in rearing for a very long period of time but due to my low capital, I could not afford it. The oxen will help me in my farming. Having my own oxen will relieve me of the cost of hiring from my neighbors which were very expensive. Most of the times I could not afford it. I will also be able to increase the acreage of my farm and this is an assurance that the level of food production will increase. I am also planning to hire them to my neighbors at a fee which will be a source of income to me. Through that, I will be able to easily pay school fees for my children and cater for other basic needs."