"As I said I could no longer continue with my charcoal business after getting a diagnosis from a doctor as I had been sick for quite some time. I now fully depend on my husband's income as a photographer as a way of taking care of my basic needs. As I said I also have three school going children and their getting a decent education is key for me. My plan is to use this transfers to ensure they get through school. I also want to buy a couple more goats and maybe chicken that I can rear."

"As I said earlier I am a mother of 3 going children with a very limited income. I would love for my children to pursue an education which I never had a chance to do. As you hear I am struggling to even converse in Kiswahili. I want my children to have better opportunities than I did. I plan to continue to use my transfers to educate them while still building a flock of chicken which will act as an emergency fund in future."

"I am a casual worker and my husband is a casual worker too. This means we have no steady source of income on which we depend on. I have four children who rely on us to ensure they eat, are clothed and get an education. This means that most of our transfers will go to helping us accomplish this needs. However I do hope that I can get a bountiful harvest from my crop which will mean that I will be able to redirect my fiances to saving so I can buy animals. I used to have animals but when the drought really hit I had to sell some of them to buy food and educate my children. I want to go back to animal farming as its such a good way to have an investment for future use as it multiplies."

"I am the first of seven children who are all school going. My father sells soap in Mombasa while my mother sells sisal mats and farms from time to time to make ends meet. Their income is not sufficient to ensure all seven on us get through school. When I was enrolled in the programs I made a decision to use the transfers to pay my school fees. My goal is to finish secondary school education and using this transfers I believe I will be able to achieve this goal in the next two years."

"I sell wheat pastries which is my primary source of income. I sometimes get some money from my husband who hawks items at Mombasa for a living. He doesn't always get purchases and this means his income is not as steady. we have five children of whom 4 are in school. Our children do not have somewhere to sleep as our one room house is quite small. They are most times forced to sleep at their grandparents house. I would love to build a house for them so that they are no longer begging for a place to sleep from their grandparents all the time. I have about $10 in savings and am still saving in our local saving group and once I have sufficient enough and my husband has a sufficient amount we will build. However if we do not have a sufficient amount by the time the year ends or my husband does not supplement my savings I will purchase an Ox that will cost much less for hiring out during the planting season."

"As I said my ambition has been to complete tailoring school, the school will take about two years with our first year focusing on women clothes and the second year on men's clothes. I hope to spend my transfers to help me finish school as well as purchase a sewing machine which I was informed costs about $110. I also would like to use my next transfers to buy a mattresses. The mattress we are currently using is worn out and since we got a bed we hope to get a mattress too."

"I never cleared my highschool education due to being sickly most of the time, I am better now but this set me back so much. My hope was to at least do something beyond my secondary education that would be able to earn me a living and this bore my dream of becoming a driver. I want to to pursue a driving course and once I get a license I will be able to seek work in so many environments that can hire a driver. I want to use my savings for this. I am also saving towards building a house for myself. I ma living in my older brothers house and as much as he hasn't asked me to live it is important for me to have my own house so that I am even able to advance my life."

"My husband and I do not have a reliable source of income to fully support our family, and I have always wished to have a project or any reliable source of income. Therefore, my main goal is to have a chicken-rearing project. I had already bought around four chicks to start off, and I plan to buy more egg-laying chicken every month I get my transfers bearing in mind that they would lay eggs, multiply and eventually have a market for both."

"My main goal is to ensure that my daughter gets her own bed. I have a daughter aged 7 years, and it had always been my wish to get her her own bedding since currently, we share one bed with her, and considering her age, I believe it is not the right thing. I had already paid some amount of money to a carpenter and before the month comes to an end, I shall have paid the remaining balance and later buy her a mattress with some savings that I already have."

"The most recent goal that I would wish to achieve is to have a beer house. The house that I currently live in with my family is in a dilapidated state and whenever it rained, we were always rained on and I always feel bad about it. I always wished that my family lived in a good house I already have most of the materials in place and I hope to get a little amount so that I could start the construction by the end of this month. I would also want to start a livestock rearing project in the future once I am done with the construction and I believe that my future transfers would play a great role in the future project."