"In the next six months, I expect to have established a reliable NAME OF business for my spouse so that we can have an additional source of income in the family. This will enable us to meet the family's needs without a lot of challenges. It will be also a stable source of income since casual work is unreliable and needs are always consistent. I would want to provide for my family without begging."

"In the next six moths, I expect to have plastered my kitchen so that I'll be able to cook in a decent and less dusty kitchen. It's only after that when I'll think of something new to work on."

"In the next six months I expect my life to change in that I shall have started poultry keeping project. This is a project I expect to start once I am done with our home improvement."

"In the next six months I expect that my life shall have changed in that we shall have fully completed our new house. The completion of the new house shall give more space for my now big family and make us more comfortable. It shall also allow us as a family to think of other profitable investments that shall make us self reliant in the days to come."

"In the next six months I expect to have fully started the dairy farming project that will see us as a family have a better living standards."

"In the next six months, I have great hope to have saved enough money to buy a piece of land. It has been my dream that one day I will be owning my piece of land which I am struggling to ensure that it comes to pass by the end of six months from now."

"I expect my life to change in the next six months in that I would have saved enough money in the merry go round that we recently started. After buying a goat and also being able to rent a piece of land for farming, I know I will go far. I will no longer depend on casual jobs in order to meet the needs of my family. Finally, there is hope at the end of the tunnel."

"The dairy cow that we bought shall help us a lot in meeting the household needs that are at times hard to get due to lack of enough cash. This shall be a thing of the past and will generally improve our standard of living."

"I expect my life to change in that my two children shall have joined colleges and universities. This will require more money from my side and I have hatched a savings plan that will see me have enough money to gather for their needs"

"Being in a polygamous household of four wives, with twenty-five children, the direst need after food is proper housing. All of us live under the same roof, and it will remain that way because of the strong bond and good relationship we have with each other. Since we are all enrolled in the program, we have agreed to combine our transfers and work towards a common goal. Firstly, we are going to improve our house; the one we are currently living in is tiny and congested. In so doing, each one of us is going to contribute ksh 20,000 for expansion. For the huge part of our transfers, we are going to purchase a plot in the nearby shopping center and build residential houses. This will earn us an income that will be beneficial to the family in future. And that is basically what receiving this money means to us."