"In the next six months, I expect my life to change in that I will have cemented my house. I have struggled for a long time searching for materials to repair it which have now become scarce and difficult to find. I am glad that when this happens I will have a decent house just like other people in my neighbourhood."

"I have had various complications during the births of my children.The ceaserian sections I had have made my body weak and hence I cannot perform many duties.I have always wished to seek further medical assistance,but due to recent harsh climatic conditions that have been unfavourable to farming activities,we do not have enough to meet our needs as well as get medical care.This is the biggest hardship I have faced."

"My only hope was to do a tailoring course seemed unattainable since my parent who had to pay my school fees did not have enough money because their main source of income wasn't enough to pay school fees and sustain my family's needs as well. Currently, the biggest difference in my life is that I have been able to save money to pay for the tailoring course. Through saving successfully, I am certain that I will be able to complete this course and to get employed or rather start my own business and assist my parent back at home financially."

"I expect my life to change in the next six months in that I am saving most of the transfer in my personal account and with the saving, I am confident that I will use them to start a Mpesa shop and make an extra income."

"I expect that in six months time, I will have a stable business so that I can be able to provide for my children and reduce the burden my aunt currently has of providing for us. I have not yet decided on the type of business I want to do yet, but I am sure I will know by the time I receive my next transfer because I will seek advice from my aunt who has been in business for a very long time."

"I want to save towards buying building materials i.e cement and sand that I want to use to finish building my house. I had built a house back then but it was smeared with mud which gave my children constant flu due to the dust. I also want to build a toilet as I do not have one and I am tired of using my neighbour's. I look forward to living in a clean, serene and beautiful house once I am done with the finishing."

"I have been planning to go to college to take a course on mechanical engineering for a while now, but it has never happened due to poor planning and financial difficulties. Having the certificate on that course will greatly change my life as it will come with financial benefits. I hope that in the next six months, I will have joined the college and I will be on course to achieving my dream."

"My life is better now because I dress well, I have built my house that I will enter soon, I bought Household items, Livestock and a bicycle. Had I not received these transfer, I would have not achieved all these thing I have acquired. In the past, Life was hard when it came to transportation because I did not have a bike, Livestock and household items."

"My life is different in that I now have a wife to prepare meals, more clothes to change to, and land to cultivate food crops. Before, my dressing was poor, just a shirt and trouser, no land to cultivate more food, and I couldn't marry wife due to lack of livestock to pay pride price."

"My life is different in that feeding has improved, meals twice a day atleast, I sleep using a mattress, the money received has bought me a cow and a goat which can be sold when there's urgent need to solve a financial problem. Before, food was difficult to have, sometimes only one meal for a whole day, sleep using poor bedings, and I had no livestock as security for uncertainty. "