"Educating my children has been my biggest struggle due to inadequate finances. Keeping them in school has not been easy considering am an unemployed widow only surviving on casual jobs with unreliable pay. Only one of them has managed to complete his secondary education though unable to proceed to college for lack of funds. Two dropped out and moved to Mombasa in search of casual jobs while one is still in primary school. "

"My biggest hardship is financial instability. I do not have any job and the income that my husband gets from doing casual jobs in Mombasa is hardly enough to sustain his stay there and also take care of us at home. The most that he manages to send me every week is ksh.300.This amount is hardly enough to buy food and take care of other household expenses. Seeing him stressed most of the time at his incapability to provide for the family as he had hoped for ends up stressing me a lot too."

"I gave my wife KES 6800 for buying personal effects and household goods. I got married recently and we did not have most household goods. I bought a television screen worth KES 42000 for businesses. I run a video show business. The television set that I had was small and the customer base was growing. I took KES 30,000 of the transfers and topped up with the savings I had to buy it."

"I expect my life to change in the next six months in that, I will have fully renovated my house. I normally feel embarrassed when I have visitors because of the many holes in my roof and walls. I also don't have furniture that my guests can use in case they come over and beddings. I have been taking them to sleep at the neighbour's which has brought shame in my life for such a long time. I know that when these goals are met my neighbours will stop talking about me."

"In the next six months I want to ensure that I have enough money accumulated in time with the aim of paying school fees for my children in time. I want to ensure that my children are not sent home for school fees at any one time. I want them to be in school all time round and give the best of themselves as well."

"The biggest difference in my daily life is that I now pay my rent on time and my child stays in school without getting worried that he might be sent home for school fees. I am also able to provide for my family without much struggle unlike before."

"I am not sure what is in store for me in the next six months. I can only wait as I continue receiving these transfers which I will use most part of it on the poultry keeping project. These hopefully will make me some profits that will enable me to sustain my family more comfortably."

"In the next six months, I want to have pure hybrid cows for rearing. This will give me more income and enable me gather for all the family needs with little or no difficulty. My desire has always been to make my family happy and provide for them whatever they need as a responsible father. The dairy farming project will see me realize this dream."

"In the next six months, I expect my business to be up and running. From this, I will be making more profits that will help me support my parents too. This I am planning to start off immediately even before I complete college. I want to support my parents and also ensure my financial security in the future is more secure."

"I expect the pig project that I am currently planning to be in full force in six months time. I want to be a well-known supplier of pigs to the local slaughterhouses in the near future and for this to become a reality, I would have to completely invest in this project."