"As I look ahead to the next year, my primary goal is to purchase a sewing machine once I finish college. With the skills I’m acquiring, I am eager to establish my own tailoring business and generate income. To achieve this dream, I intend to start saving a small portion of my monthly transfers, setting aside a little each month until I reach my target. Having my sewing machine will provide me with the independence to work from home and support my family. This plan fills me with hope, and I am determined to work hard and save diligently so that I can turn my vision into reality."

"Next year, I hope to enroll in a tailoring college and pursue my dream of furthering my education. To achieve this, I have been diligently saving a portion of the monthly transfers I receive from GiveDirectly. Every dollar I set aside brings me closer to my goal, and with each passing month, I see my college dream becoming more real. By saving now, I will ease the burden on my hardworking parents, who already provide for my siblings and me. I want to take responsibility for my future and lighten their load. Once I get into college, I will be able to focus on my studies without worrying too much about finances."

"In the coming year and beyond, my greatest hope is to continue saving and providing a good education for my children. I want them to have opportunities that I never had, and I believe that education is the key to their success. Every month, I set aside a portion of my income, no matter how small, because I know it will add up over time. My children deserve the chance to dream big and achieve great things, and I want to be the one who paves the way for them. As they grow and succeed in their studies, I believe they will have a bright future, full of possibilities. In time, they will become my pillars, supporting me and helping our family thrive, and this thought drives me every day to work harder and save more for their future."

"For the past few months, I have joined a savings group in the village intending to pool money to purchase more goats. I am hopeful these goats will multiply, increasing in number and value over time. As my herd grows, I intend to eventually sell some of them and use the proceeds to buy bulls. The reason for wanting to invest in livestock is to ensure my son can continue his education without interruption, especially since he will be starting Form 1 next year. Given my financial situation, it would be difficult for me to pay his school fees without having a plan. I am confident that once this plan works out, his education journey will be smooth, as the livestock will provide significant support."

"With my business currently doing well, my goal in the coming year and beyond is to expand it further by purchasing more stock. I plan to allocate at least $10 from my transfers in the coming months to invest in additional stock, ensuring I can meet the growing demand of my clients. To broaden the business, I aim to diversify the products I sell by including fresh vegetables, which will allow me to attract new customers and expand my market. I am optimistic that with the continued support from the financial transfers, I will be able to achieve this goal in the coming months. I am very appreciative of this assistance, which has played a crucial role in helping me gain financial stability and improve my family's well-being."

"My house is currently in a very poor condition. Without realizing it at the time, I built the house on a pathway where water flows. When the rains came earlier this year, the house started sinking into the ground, and now it is on the verge of collapsing. To make matters worse, the roof is leaking, making the house uninhabitable whenever it rains. My goal is to construct a new house on raised land, away from the water flow. To achieve this, I plan to start by purchasing one piece of iron sheet at a time over the coming months. Once I have collected the necessary number of iron sheets, my next focus will be on acquiring other building materials, like building poles. After gathering all the required materials, I will begin the construction of a new and safer house for my family. I am deeply grateful for the financial support that is helping me care for my family during these challenging financial times. The assistance is not only providing for our current needs but also enabling me to work towards building a safer, more secure home for the future."

"My goal for the coming year and beyond is to save more money from my transfers to expand my house by building a new room. I recently joined a savings group with 10 members, where we contribute a minimum of $20 each month. At the end of the year, we receive our savings along with the interest accrued over the year. My plan is to start the construction of an additional room in January next year, which will make my house more spacious and comfortable for my family. To achieve this goal, I aim to save enough money throughout the year, ensuring that by the time construction begins, I will have sufficient funds for the project. I am incredibly appreciative of the financial assistance, which has significantly lightened my burden and enabled me to better meet my family's needs."

"My primary goal in the coming year and beyond is to ensure that my children remain in school and continue their education without any interruptions. To achieve this, I plan to allocate a portion of my monthly transfers towards school fees. By making regular payments, I will clear any outstanding balances and prevent the accumulation of large debts. This approach will ensure that my children consistently attend school and receive the best education possible. Additionally, I plan to purchase iron sheets and other building materials to start constructing a new house. Our current home is in a dilapidated condition, and before it becomes unsafe, I want to begin building a new house. The profits from my charcoal business, along with the monthly transfers, will be instrumental in helping me achieve this goal in the coming months. I am incredibly grateful for the financial support, which is making these important steps toward a better future possible. It has provided me with the opportunity to focus on my children's education and improve our living conditions."

"My primary objective is to pursue higher education. I finished my Form Four studies in March 2022 at Mlanza Secondary School. I am keen on enrolling in an electrical course due to the attainable entry requirements based on my grades. This program typically spans two years. I believe that wiring is a promising field as it offers good prospects for success. While I had planned to commence the course in July, insufficient funds hindered my entry. Consequently, I am determined to continue working hard and saving towards my college aspirations, which I firmly believe will materialize. Currently, I am raising five goats and some chickens, which I diligently care for. Given the rapid multiplication of goats, I intend to sell some to generate additional funds for my tuition fees. I am confident that excelling in this course will not only uplift my prospects but also alleviate my family from poverty. Therefore, I remain optimistic about achieving my goals. I am sincerely grateful to GiveDirectly for their financial support, as without it, I would not have made it to where I am today."

"I am planning to start building my dream house soon as I have already acquired the necessary materials. Our current one-room house is too small for myself and my three children. Once I complete this project, which I believe won't take much time, I plan to start buying goats. I don't own any goats at the moment, and I want to work hard and save through our merry-go-round group to ensure that I can buy at least one to start with. Goats are a good investment as they are resistant to many diseases and multiply very fast, which is a great advantage. Since I have school-going children, having goats will benefit me as I can sell some to support my children's school fees. Additionally, in case I face any financial crisis, I can sell some goats to address any financial issues. Lastly, I want to ensure that my children can attend school without any issues, so I also want to make sure that I pay their fees promptly to avoid them being sent home due to fee balances and to allow them to concentrate on their studies."