"In the next four months, I want to save and buy a cow. With this cow, I would be able to get milk when it reproduces and sell some milk to raise a little income to sustain my family needs. Whenever I have a difficult situation, I can sell its offspring to raise money to handle such matters in the family."

"I have a plan of joining one of the table banking groups that I normally see within the locality very soon. I like the idea of table banking because it forces one to be disciplined in terms of making savings. Right now I do not have a precise project that I expect to carry out with the cash that I will be saving but once I get there, I will come up with a viable project to launch and definitely I will reap maximum benefits from the project because I believe in my personal ability. ."

"In the next six months, I expect my life to have changed in that I will be a livestock owner. This will be a financial level that is good enough for me as it is an investment that keeps growing every year as the animals multiply while being a source of income."

"In the next six months, I would want to buy hybrid seeds and fertilizers which I will use on my farm. When I get a good harvest, I will sell some money to raise money to buy household items and pay fees for my daughter."

"I expect my life to change in the next six months in that, I will have bought cushions to place on my seats. I have always wanted to replace the old cushions but there are more pressing needs that have to be attended to such as food and paying schools fees. The old ones are usually uncomfortable and not so good looking but I am happy because I will replace them soon."

"Long term project is to buy a goat which we will rear going into the future.One advantage of keeping a goat is that it will definitely give birth in the future and of-course once their population grows, I will have the chance to sell-out some of them and make some cash which maybe put into other use just in case maybe I run out of money."

"In the next six months, I will have more chicken in my poultry house. This consequently means that I will have more income from the poultry and hence able to meet most of my familys basic needs with little difficulty. I expect to have stopped engaging in any form of casual labour to earn a living like I am doing now."

"I expect in the next six months to shall have boosted my poultry business and through proper rearing in future, their population would have increased significantly, then I will be able to sell some with the eggs too to make an extra income. Meaning I will find it easy to provide for my family members with ease."

"In the next six months I expect to have built a new house, and be able to buy a dairy cow.The dairy cow shall be of great importance to my family in that we will have enough milk for the family and get surplus for resale."

"I realized in the morning that I had received the transfers. I was going through my message folder when I saw a message that I had received the transfer. I realized that the message came in late at night that is why I had not seen it. The mood in the house went frenzy in excitement as I shared the good news with my family. The state of hopelessness that I was in ended at that point in time and joy replaced it."