"My life will be better than today since I expect to have started poultry farming hence will be earning from through eggs sales. I will be in a better position to always give my family better access to basic needs since will be generating my own income. I will be incurring fewer debts unlike now I have no other source of income."

"My wife has been constantly reminding me about the dowry payments as she is also getting a lot of pressure from her parents who want the ceremony performed before the end of the year. This has been causing a lot of arguments between us because I feel that she does not understand that I also want it done as much as she does but not able to do so due to financial difficulties. Now that I have the money for the dowry payment, I expect to have more peace in my house in future."

"I have been focusing most of my previous transfers on my paying my school fees because it is the biggest need I have at the moment. Because of this, I have never had an opportunity to buy other personal items that I have always desired to have such as proper clothes and shoes. In the next six months, I will have cleared my fees for the year and will have the freedom to spend my transfers on such items. This will change my life because I will no longer rely on my mother or worry about taking on casual jobs to earn money for such items."

"The biggest hardship that I am faced with is lack of money to build an iron roofed house. "

"The biggest hardship that I am faced with is lack of land for both settlement and cultivation. "

"The biggest hardship that I am faced with is lack of money to take care of the scholastic needs of my children. "

"The biggest hardship that I am faced with is lack of money that would enable me to build an iron roofed house. "

"I do not expect my life to change in the next six months because right now after completion of the transfer, I depend only on casual jobs. This is only enough to cater for food and a few basic needs. I feel that I will still be the same."

"Having worked in a motorbike business for quite some years now, it has always been my greatest desired to own one. Working for someone is always tiresome and the returns are low since the owner requires a certain amount of money each day without fail. As such, I have already identified a second-hand motorbike which is still in good condition. This will double my daily earnings and am hopeful, it will be a huge relief to my family. For the rest of the transfers, I will invest in a goat-rearing business. This is my long term investment that will ensure my children get quality education. And that is what receiving this money means to me."

"Currently, I am living in a leaking kitchen when it rains. Secondly, I dont have a dairy cow. We are therefore forced to do casual labor in other people's farms so that we can procure the milk for our three children. Receiving this money is a big boost because I now have the ability to meet my basic needs."