"In the next six months, my plan is to buy goats each month from the transfers and the earnings from dairy farming. I am planning to buy these goats as assets for sale. My son will soon be joining a secondary school and when that time comes I will sell them and pay his school fees."

"I expect my life to change significantly in the next six months. This is because I will be getting substantial income from casual work of plowing that I will be doing at my locality. Consequently, I will be leading a more promising and happy life with lots of confidence that my daughter will join secondary school next year. I will be having sufficient funds to pay her school fees. Additionally, I will be leasing and tilling more land following the increased income and the presence of oxen as a source of physical power."

"I will be having my first child learning in a secondary school. The others never attained this level of education but finally, I feel like I am now a real mother too."

"In the next six months, I expected to have enough food for my family in that I will have harvested maize I planted. I expect to sell the surplus for money to meet other household financial needs. I foresee a happier and stressfree life in that I will have tackled the most demanding needs of my family."

"In the next six months, I would expect to have started a new shop where I would be running my business fulltime. I will also continue attending an open market on market day to sell second-hand shoes and from this, I expect to earn more profit which would help me to change our living standard."

"In the next six months, I would want to buy a cow. The cow will help in milk production of milk both for our consumption and for sale. The sale of milk will help me raise money to cater for daily needs of the family. I will also be able to sell the cow to raise money to solve other urgent family needs such as school fees and medication whenever one is sick."

"In the next six months, I would expect to have bought a cow. When the cow calves down we would get milk for use in our family and we will sell some to get money which will act as another source of income for our family."

"I expect my life to change significantly in the next six months. This is because I will be owning a cow. Consequently, we shall be having a reliable source of milk for consumption while selling the surplus to fetch some income. Moreover, we shall be living in a bigger house that comfortably accommodates us, unlike the one that we have currently. Additionally, we shall be enjoying additional income from the sale of surplus food items. As a result, I will lead a more optimistic life with the confidence of accumulating enough funds that will be used as school fees for my son who is joining secondary school next year. Hence, I will be living like the physically able individuals following the financial empowerment."

"My mother divorced my father when I was still young. This has made her a breadwinner for my family and we are all living here in Mathare. I am now planning to use my third transfer to buy a plot for her at her rural home because plots are still cheaper there. Most children who grew up in slums do not finish their studies especially ladies because of early teenage pregnancies. Due to this, I am planning to relocate from Mathare so that my daughter's education will not be ruined."

"The biggest difference in my daily life is that I am now a happy parent. This is because my daughter was able to sit for her examinations and I am now sure that she will finish her college studies at the end of this year. When I had not paid her school fees, I used to have sleepless nights thinking of where to source money to use but I am now glad that I now sleep well."