"My new goal is to a start a new business where I sell second hand clothes. I will use my transfers to start this business. This will be a source of income to meet my basic needs and pay rent. I will no longer depend on casual jobs since I have a constant source of income."

"My goal is to build my brand in photography. This would mean a larger client base and hence more proceeds. The transfers are going to cater for buying equpmnets and other necessities around building my brand."

"I am planning to transport them the onions from my farm to the market here in Nairobi. The transfers are going to facilitate this. If this goes through I will have more income through the proceeds."

"I was woken up to the good news through a message that came in at 5 am. The message was notifying me that I had received. I was excited and in disbelief since I did not expect to receive that money in the wee hours of the morning. With the same excitement, I woke up did the household chores as I waited for time to withdraw. The shops around here are not open by that time."

"I expect top buy a goat within the next few months so that I can be able to get future economic benefit from it. Once I start the rearing process I know that the goat will give more than once and whenever I will feel that I am stuck financially, I will have the opportunity to sell them out and definitely make some money from such transactions.The long term vision could also include selling out the goats in the unforeseeable future once their population increases significantly, then buying a cow to replace the goats. Cows are known for their milk production which is a very essential thing in human life. Once I have enough supply of milk, I will not have to be buying milk from other people in the village like I do right now. Finally,keeping animals such as a goat also comes as a source of pride according to our culture and tradition."

"I expect my life to change in the next six months in that I will have bought more livestock. I know that when I achieve this goal, I will be able to sell some of them and use them money to take care of my needs and emergencies easily."

"I am working hard to ensure that in the next six months, my chicken project is up and running. I hope that the money I will be making from egg-supply will change my life by enabling me to open another business(Welding workshop) Which requires more money to set up. With that workshop open, I know that all my financial problems will be solved because it is a very lucrative business that will be earning me money."

"I hope that in six months time, I will have completed plastering the inner part of my house. It is such an embarrassment considering that I do house construction yet my house is in such a sorry state."

"In the next six months, I expect to use my transfers to plaster my house. I am advanced in age and smearing the flour of my house with cow dung is always a tedious work because I always need to do that twice a month. I shall, therefore, not be affected by specks of dust which has been making me suffer from respiratory problems."

"My expectaion in the near future is to be financially stable. I want to reach a point where I can pay my children's school fees comfortably without worry. I want to generally improve our lifestyle as family."