"I completed high school two years ago but has not been able to pursuing my college education due to my parents' financial constraints. Their reliance on subsistence farming yields limited income, making it challenging to afford the costs associated with higher education. In light of this, I have devised a strategy to save the transfers I receive to fulfill my academic aspirations. To this end, I have made the decision to save part of the transfer by joining a local savings group where I commit to saving $20 each month. Upon receiving my first payout from the savings group, I intend to use it as a stepping stone towards realizing my dream of attending college. This initial disbursement will be allocated towards seeking admission and partially covering the required fees. Subsequent payouts will be used for meeting any additional school-related expenses that may arise. By taking proactive steps to fund my education through these transfers and savings, I am determined to overcome financial barriers and pursue my academic goals with determination and resilience."

"My residence, an aging structure, is no longer able accommodates my growing family of eight forcing some of my children to seek sleeping arrangements at their grandparents' house, as they have outgrown the capacity of our home. Addressing this pressing issue, my foremost priority is to construct of a new dwelling. This new construction will allow our current residence to serve as additional sleeping quarters for my children. To facilitate this endeavor, I have been saving a portion of my transfers through a local savings group which has enabled me to procure some of the requisite materials, including 18 out of the 25 iron sheets needed for the roofing. To complete this phase of the project, an additional 7 iron sheets are required, amounting to an approximate cost of $95. Fortunately, my employment in the construction sector equips me with the necessary skills to oversee the construction process once all materials are procured. In addition to this housing project, I remain steadfast in ensuring the consistent education of my children. To this end, I prioritize the timely payment of their school fees, ensuring they remain enrolled and engaged in their education. By pursuing these dual objectives, I aim to secure a brighter future for my family, characterized by improved living conditions and educational opportunities."

"My goal for this year is to start a poultry business, specifically focusing on raising chickens. I believe this venture will provide the financial stability I have longed for. I plan to finance it with my upcoming transfers since I don't have any urgent needs to address currently. Having my own business will ensure a steady income even after the project ends. I'm sincerely thankful for this assistance and optimistic about a brighter future ahead."

"This year, my goal is to expand my goat farming venture by purchasing more goats to supplement my current stock. Goat keeping is a lucrative business, particularly in our region, offering promising profits. I intend to finance this project using both my transfers and savings. The prospect of having an additional source of income fills me with great joy, and I am eager to witness the opportunities it brings in the future."

"My plan for this year is to invest in goats, hoping they will multiply and generate profit when sold. I intend to utilize the transfers received to pursue this goal, providing an additional source of income for my family. Knowing that I'll have this extra financial support brings me peace of mind, especially in terms of covering my children's school fees. I'm deeply grateful to GiveDirectly for being a lifeline for me and my family, offering much-needed assistance during challenging times. Their support has made a significant difference in our lives, and I'm thankful for their generosity."

"My long term dream of joining college is almost becoming a reality as I have made the decision to enroll for a certificate course in mechanical engineering starting in May of this year. To prepare for this endeavor, I have diligently saved a portion of my transfers, accumulating a total of $200, which is sufficient to cover the initial admission fees. Upon entering college, I will become entirely reliant on these transfers to finance my education and meet any associated expenses. This reliance stems from the financial constraints faced by my widowed mother, who sustains our family through a modest income generated from her small vegetable business. Additionally, she shoulders the financial burden of educating my two younger siblings who are currently enrolled in high school. For this reason, I understand that the responsibility for funding my college education rests primarily on my ability to leverage the resources provided through these transfers forcing me to ensure the highest order of financial discipline."

"In order to ensure the uninterrupted education of my children, I am focused on utilizing the transfers to cover their school fees. During school holidays, when fee payments are not required, I plan to allocate the transfers towards investments in livestock. I admit with some embarrassment that my compound currently lacks any livestock, not even a simple chicken. This leaves me vulnerable, as I lack a fallback option during emergencies and remain entirely reliant on these transfers. To rectify this situation, I am determined to acquire livestock before the year concludes. My initial goal is to procure at least a goat and a few chickens. Allocating $10 towards the purchase of chickens and setting aside approximately $30 for a goat represents a practical starting point towards achieving this objective. By diversifying my assets in this manner, I aim to establish a more resilient financial foundation for myself and my family."

"Repairing the collapsed section of our house is currently my top priority to safeguard the health and well-being of my children, particularly the youngest one, from exposure to cold and potential health risks. Once this renovation is completed, my focus will shift towards investing in goats, which have long been my preferred type of livestock. Goats are an ideal investment due to their ease of care and ability to generate income during times of financial need. They are resilient animals that can thrive in various environmental conditions, making them suitable for our circumstances. Additionally, goats have a high reproductive rate, allowing for the expansion of our herd over time. By investing in goats, I aim to create a sustainable source of income and a financial safety net for my family. In times of financial urgency, I can easily sell some goats to meet immediate needs, while also benefiting from their ability to provide milk and other products for consumption. Overall, repairing our house and investing in goats represent critical steps towards enhancing the stability and resilience of our household, ensuring a better future for my children and myself."

"Following the completion of my fashion and design course late last year, I encountered challenges securing employment within the local tailoring industry. This has pushed to think of establishing my own fashion design venture here in Mtwapa. This endeavor necessitates acquiring essential resources, including a sewing machine priced at $110, sewing materials, and securing a suitable shop location. Given my current financial constraints, I am reliant on the transfers to facilitate this entrepreneurial pursuit. To this end, I have been allocating $10 of the transfers each month towards savings, aimed at procuring the necessary equipment and resources. Additionally, I have recently secured part-time employment as a grocery shop attendant, which will provide supplementary income to further support my aspirations. With unwavering determination and strategic financial planning, I am committed to realizing my dream of launching a successful tailoring business. The support provided by the transfers, coupled with my perseverance and newfound employment, position me to embark on this journey towards entrepreneurship with optimism and resolve."

"With the GiveDirectly cash transfers I'm receiving, I aim to complete the repairs of our house, ensuring better shelter for my family. I will also prioritize the well-being of my livestock, whose numbers have increased as they remain my main source of income. Additionally, I'm determined to keep my children in school without any worries about lacking school fees, thereby securing a brighter future for them. I'm truly grateful for the support."