"Being an aged widow means depending most on others in terms of getting my daily needs. Since everyone has their own family to take care of, I mostly face a lot of challenges in my life. Forfeiting meals or surviving on one per day has been the norm. Missing of meals has affected me health-wise since I am finding myself under stress. Hence, I consider financial instability to be my biggest challenge."

"The challenge that I am currently facing is paying school fees for my children. My husband works as a casual laborer in a construction site in Mombasa. His earns $4 a day and getting it is challenging. Sometimes he can stay for two weeks without securing one. Due to this, I am forced to do charcoal burning business so as to increase the income for my family of 8. It is labor intensive and time consuming. Infact, you have to cut logs, carry them to the homestead before the process of the burning begins. The whole activity takes two weeks thus when you can commence selling. In a month you can get $27 in total for both of us. All the proceeds is used to buy food food and payment of fees for my two sons who are in Secondary school. Cosequently, they have been on and off of class due to a huge fee balance of $615.The situation had resulted to alot of depression because I am scared of the future of my household."

"decided to return to my maternal home after separating from my husband five years ago. Having to care for three children on my own was extremely difficult, which is why I decided to start a charcoal-burning business. However, this business only made $3.88 per week, which was not enough to cover household expenses. To supplement my income, I decided to start a grocery business, earning an average of $1.88 per day. Given the current state of the economy, the money I make from both businesses is insufficient to provide a decent life for my family. Therefore, not having enough money to get by is what is currently difficult about my life."

"I have a goal: to continue raising goats in my compound so that, by the end of this project, I will have a sizable herd. Currently, I have no assets to rely on in case of future emergencies. However, I am hopeful that with the upcoming transfers, I will be able to buy more goats to help secure my future, as I have been relying on my son, who is not financially stable. Once I succeed in keeping these goats in my homestead, I will no longer need to depend on them for my upkeep, especially for my medication needs, which I have been relying on every month. This will certainly bring peace of mind to my household, as there will be no more stress about getting money. I can sell some of the goats to cover any expenses that arise."

"The aim for now is to save money from the incoming transfers to build a house of my own. Currently, I have been staying in my relative's house, which is on the verge of collapsing, and I am worried that we might be left homeless. Therefore, I have been thinking of saving a portion of the money to start this project. I believe this is achievable, and once I succeed, I will no longer have to worry about shelter or my security, as it has been a major source of stress for me. Additionally, my belongings will no longer be at risk of being destroyed as they have been before."

"I have two important goals for now. The first is to renovate my house by specifically cementing the floor and walls. Currently, I have been dealing with dust and cold nights because the walls have holes all over. Thanks to the transfers, the renovation process is ongoing, and I believe that in the months to come, the house will be fully complete, and I will no longer have to worry about my safety or that of my children. My second goal is to buy goats using the transfers, and I plan to start this goal as soon as I finish the house. The goats will serve as reliable assets that I can depend on in case of financial crises I might encounter."

"I have a dream, which is to build a house for myself and my brother. For now, I sleep at my mother's house, but I feel the need for privacy and a place I can call my own as time goes by. I plan to save a small portion of my incoming transfers and a little from my mother's savings to start building the house. I see this happening toward the end of this year, as I have already begun the process of buying materials with my brother. Once I accomplish this, I will have my own home, and when I am ready to start a family, I will be well prepared."

"My house is grass-thatched, and I am tired of being rained on frequently because I haven’t had the grass to renovate the house. Therefore, I now have the goal of building a decent house with an iron roof. I believe this will be the only way to prevent being exposed to the rain and provide a permanent solution to this ongoing problem. I trust that I will have a secure place to store my property, as some items have been stolen due to being exposed. Additionally, it will restore my dignity as a woman, as I have a large extended family living with me. I plan to achieve this goal early next year using the transfers."

"My main focus in my life revolves around building a substantial number of variety of livestock to secure a sustainable income for the future. To achieve this, I plan to use my transfers gradually to purchase chickens and ducks, allowing them to grow and multiply over time. As their numbers increase, I will sell some of these animals and reinvest the proceeds into acquiring goats. The income from selling goats will not only support my child's education but also help in expanding my business ventures, especially the kiosk that I have where I sell household consumables that are fast moving. I aim to grow my business further using both a portion of the transfers I receive and the profits from the sales from the business. In addition to the livestock and kiosk business, I am also involved in making and selling charcoal, which provides another source of income. The money I earn from charcoal sales will also be used to expand my kiosk business. By diversifying my sources of income and strategically reinvesting, I hope to create a stable and prosperous future for my family."

"I completed my university education and graduated with an undergraduate degree in education, and I am very happy and grateful to have achieved this milestone. My overall dream is to become a university lecturer. To achieve this, my plan is to secure a job with the government so that I can have a stable and reliable income stream, which will allow me to enroll in a master's program. While I focus my income on my studies, I will use the transfers to support my family's day-to-day needs. Once I earn my masters degree, I hope to pursue my dream of becoming a university lecturer. This will enable me to comfortably take care of my family and provide a good education for my children."