"My goal is to invest in goats. Currently, I have two goats and believe they will multiply over time. As their numbers increase, I plan to sell them and save enough to build my own house, since I currently live in my brother’s house. I sell vegetables to my neighbors, and with the savings I am accumulating and the transfers I receive, I am confident I will be able to purchase more goats and let them multiply. This investment will help me reach my goal of owning a home and improve my financial situation."

"As a tailoring student, my main goal is to buy a sewing machine and start my own tailoring business. I want to create dresses, uniforms, and custom clothing. This business will help me attract many customers and support my family financially. By saving some of my transfers and working hard, I will be able to buy more materials for my business. I plan to use my transfers to save enough money to get started."

"My biggest goal this year is to clear my debt and plan for the future. Our house lacked solar lighting, so I decided to purchase a new system on credit. The previous one was broken, and to avoid living in darkness, I opted to buy a new one and pay for it in monthly installments of $20. The total cost was $450; I have already paid a portion and still owe $220. I am deeply grateful to GiveDirectly, as their support has made it possible for me to have solar lighting and work towards my financial goals."

"I plan to open and operate an Mpesa shop in my area. Currently, there are only two Mpesa shops nearby, and many people receiving transfers from GiveDirectly have to travel long distances to withdraw their transfers. By opening my Mpesa shop, I aim to serve over seventy people, significantly reducing the burden of traveling long distances. I have been saving from my DStv business, and by November, I expect to be ready to start my Mpesa business."

"The house that I am currently sheltering in is no longer accommodating, as it cannot fit us all. Therefore, I have had the goal of starting early next year by building a better spacios house that will accommodate us all. Since I do not have any sources of income, I plan to use the incoming transfers to start this project. Once I succeed, I will be the happiest soul, as I will no longer squeeze like we used to. Also, this will bring more harmony and peace among the family, and I believe it will enhance my health since my sleeping environment will be conducive."

"In the coming year and beyond, I plan to add more livestock to my small farm. Currently, I have seven goats and one cow, but I want to grow this into something bigger. I plan to use the transfers I get to buy more animals, one by one. This isn’t just about having more livestock; it’s about creating a lasting investment for my family. Even when the GiveDirectly program ends, I want to ensure we have something to rely on. These animals will provide milk, meat, and even income, helping me to sustain my family for many years to come."

"This year has been challenging because my house is unsafe to live in, but I have been making steady progress toward improving it. With the transfers I have received, I have carefully saved and managed to buy 22 iron sheets, just two sheets short of the 24 I need. In the next transfer, I am determined to get those remaining sheets. Once I have all the iron sheets, my next goal is to start buying building poles. I plan to set aside $20 every month to purchase the poles, one by one, until I have enough to begin constructing a new, sturdy house. This journey may take time, but I’m committed to creating a safe and secure home for myself, step by step."

"My current plan is to accumulate a significant number of goats to support my children’s education. Covering school fees for all twelve of my children has been a major challenge. I’m pleased with the progress I’ve made so far; thanks to the transfers, I was able to buy a goat and hope to acquire many more in the future. I’m confident that having a larger flock will enable me to pay their school fees on time, alleviating some of the stress I’ve been experiencing. This will also provide my children with a smoother learning experience, reducing the struggles they’ve had to endure."

"By December, I aim to begin building my new permanent house. My current home is on the brink of collapsing, and I’m concerned it might eventually damage my belongings or even put us in harm's way. I plan to use the support I receive from my monthly cash transfers to make this dream a reality. Once the new house is completed, I hope to be free from the constant need for repairs and the challenges posed by harsh weather. This achievement will not only enhance my self-esteem but also reinforce my respect as the head of my family."

"By the end of the year, my goal is to invest in quality bedding, including a wooden bed and a mattress. For years, I have endured restless nights on an uncomfortable traditional bed, struggling with fatigue. I feel it's time for a change. With the upcoming transfer, I plan to set aside some money from transfers to purchase this new bedding. I am hopeful that this will bring me the relief of waking up well-rested each morning, a comfort I have long yearned for. This change will free me from the physical and mental strains of sleepless nights that I have endured for so long."