"have few months left and these transfer scomes to the end, i pay 8500 every month, took it through chama-paying back this loan-it is benefiting my family, my family depend on me. initially i did not have omne hence I used to hire for a fee focusing on edcation of my children have a total of seven children , six are all in school wife doing farming and small scale flour business"

"Since our village is prone to strong destructive winds, I have fallen victim to one which destroyed my kitchen by destroying its roof. What I hope to accomplish this year is to build a kitchen. Accomplishing this would mean so much to me because I will have a place to cook and also store my farm produce since I currently do not have a place to store my harvest. In the years beyond I hope to purchase more livestock. This is important from me to accomplish because it will be my source of income even after the transfers I receive comes to an end."

"As a motorbike driver (bodaboda rider) getting money on a day basis has been difficult since there are less jobs. While I have so many needs in my family with me being the breadwinner life has been difficult. In the coming year, I plan to enroll in a college for Masonry studies. I believe that gaining skills in masonry will be of great significance in my life since my friends who are skilled have a chance to get a lot of work and money unlike my motorcycle business. Additionally, since I depend on an hired motorcycle for KES 200 per day, sometimes I'm under threat of losing my motorbike to the owner especially when I don't get the money to pay. With the masonry skills this will be a story of the past because I won't lack work to do."

"As a parent, my greatest desire is to secure my children's education. Looking ahead to the coming year and beyond, I plan to continue using a portion of the transfers I receive to pay for their school fees. In addition to this, I also intend to save another portion of the transfers in our merry go round group. My goal is to invest the pooled funds in buying goats. I am hopeful that these goats will multiply, increasing both in number and value. In the future, I will be able to sell some of them, and the proceeds will help me fund my children's education further. This plan brings me a sense of hope and reassurance, knowing that I am building a foundation for my family's future.I am deeply grateful for the support we have been receiving from GiveDirectly."

"My ambition is to secure my children's future and ensure I am able to meet their basic needs especially education. I am planning to invest in livestock keeping by having two cows and five goats in the coming year. I currently own three goats and this gives me immense joy because when an emergency arises. I am able to sell a goat and cater to it. I would love my children to have a better future and even though they are still young investing in livestock keeping now means they will not lack school fees in the coming years."

"Now that I have a mattress, my new goal is to buy a wooden bed. Currently, I sleep on the mattress placed on the floor, which is quite uncomfortable. To achieve this goal, I plan to start saving the cash transfers I will receive in the coming months. Once I accomplish this, I will no longer experience the stress or sleepless nights that have troubled me for years. This will bring me much-needed peace of mind."

"When I received $200 from GiveDirectly, I took the time to create a budget and made sure to stick to my plan. I used $50 to buy a new fishing net since my previous one was torn. This investment will increase the number of fish I catch and, therefore, transform my business. I also spent $40 on necessary food items at home, including maize and beans, to ensure we have enough food. This way, I could save more since we wouldn’t need to buy food outside. This transfer came at a perfect time because two of my children in school needed support for upkeep and transportation to travel home for the Christmas holiday. I used $60 to ensure they were comfortable and got home safely. In addition, I gave my husband $30 so he could take care of his personal needs."

"In the coming year, my main goal is to build a herd of goats that will serve as security for my future, even after the GiveDirectly program ends. Goats are a smart investment because they are easy to care for and multiply quickly. Each month, I plan to use my transfers to buy a goat, unless an emergency arises. Over time, as the herd grows, I aim to exchange goats for cows, which will provide even greater value to my family. A cow is equivalent to five goats in the current market. This plan excites me because it gives me hope and a clear path to financial stability. With a growing herd, I’ll not only secure a steady source of income but also create a legacy for my family. Beyond this year, I dream of owning a mix of goats and cows that will sustain us for years to come."

"In the coming year, my main goal is to buy goats because they will serve as a security source for my future, even after this program ends. Goats are valuable assets with a ready market, and I can sell some to meet pressing needs when they arise. To achieve this, I plan to start saving at least $15 every month from the transfers I receive. This disciplined saving will allow me to buy my first goat soon, and with time, I hope to grow a small herd. Owning goats will not only provide me with a reliable source of income but also give me peace of mind knowing I have something to fall back on during tough times."

"In the coming years, my greatest aspiration is to focus on my children’s education, nurturing their growth into responsible, independent individuals who can navigate life confidently. Each lesson they learn and milestone they achieve will be a step closer to that vision. To support this dream, I’ve resolved to save at least $10 monthly. Beyond this, I hope to build a legacy of love and resilience, teaching my children not only to excel but also to embrace challenges with courage and integrity."