"My house is currently in dire need of repair, especially on one wall that collapsed and left a huge hole in it. I wish to seal the opening as it lets in cold during the night. To accomplish this, I plan on saving some of the cash transfer money to fund the renovation. Hopefully, I wish to have completed the exercise before the year ends. "

"Since am majorly responsible for providing for my five children, I would like to ensure that they study without frequent interruptions to collect their school fees. The eldest is currently in grade seven, my prayer is that all of them complete high school with no major tuition problems. To accomplish this, I want to start keeping livestock and poultry, which I could sell to support the education requirements. "

"It has been a long since my region was blessed with enough rain to sustain crop farming. The persistent drought has impaired crucial activities that could have allowed me to produce food in my field. As a result, the only way my family can survive is by buying food, which is expensive. I wish and pray for the rains to commence in the next year for my family to cultivate enough food and water. At least this will allow me to spend any money I earn on other things, like school fees. "

"One of my son’s got married last December, and since he did not have a house, I let his new family occupy my house. Although it has two rooms, I do not feel comfortable sharing the space with them, which makes me seek shelter from other relatives’ places at night. Honestly, am suffering and need a new house as soon as possible. I wish to construct a two-room house, with mud walls and a tin roof in the next year. To begin with, I would be happy if I bought the building materials and then hire someone later to complete the project. "

"Right now, am mostly concerned about expanding my herd of livestock within the next few years. Regardless of the overwhelming financial obligations, when this year ends, I wish to have secured at least two more goats to grow my flock to five. As these animals reproduce, I intend to sell them and gain cash for my children’s school fees. Next, I would like to renovate my house, which is currently leaking from the roof as the iron sheets have corroded over time. To achieve this activity, I need at least 14 pieces of iron sheets. "

"It's been my desire to own more goats which to me is financial security for the family. Thus, my current goal is to add more goats so that I can be assured of good future because goats can be easily converted into monetary value because of their ready market. I believe that once the goats reproduce and increase in number, I can readily sell them to cater to my financial needs."

"After observing how well my grocery business is doing, I had the idea to open a boutique. I decided on this line of work because I have a lot of expertise in it and there isn't any competition in our region. I have a strategy to save $20 in each transfer I receive going forward in order to accomplish this. I plan on starting the business before the year is through, and I have faith that it will succeed in helping me support my family without having to put forth as much effort as I do now."

"This year and in the future, I intend to invest in animal farming. I would like to expand my goat herd. After all, they serve as a form of security because they can be easily converted to monetary value when the need arises. If the herd grows, I will convert them to cows because our local calculation is that five goats can be exchanged for one cow. I hope to acquire plowing bulls for use during farming seasons. I'll be able to hire them for a fee and use them in my subsistence farming as well."

"The house I currently have is in poor shape and could collapse at any time from wind or rain, thus my present goal is to build a good one. I decided to come up with another one because of this. I am determined that going forward, I will set aside $15 from each transfer on a monthly basis in order to achieve this. I'll be able to use this to begin buying the construction materials one at a time. In the event that this plan goes as planned, I will be really grateful to find myself in a decent and secure home."

"I want to make sure that I get at least two goats from this year's transfer to invest because of the protracted drought and the fact that I have no other income. Even though I have big investments planned for the near future, my survival depends exclusively on the monthly remittances. I have high hopes for the goats' ability to procreate, as I will eventually have a large number of animals."