"I am a business woman whose business has been selling sisal to the local markets for the last four years. Normally I would go for my stock daily and sell it daily. This process was very tiresome as a load that can fit your head is a huge load and travelling from home to the farms to restock and back to the markets and then back home is a long way off. I want to make my work easier. My goal is to buy larger amounts of sisal stocks, secure a store where I can save my things and sell slowly from there, this will cut down on my transportation costs and also will be less tiring for me as I expand the business."

"My spending in January looks like my typical spending on most school months. I have five children who are all school going, One is in form one while the rest are in primary school. I am not involved in any money making venture, My husband on the other hand moved to the city started a hawking business which we all depend on. This cash transfers have saved us when it come to our children's education which is not little since the number of children in school is large and now we have a child in high school which is very expensive. I hope to direct all my transfers to continue education my children so that I can look back later in life and say that the education of my children was facilitated by Givedirectly."

"I have reared birds before, chicken, ducks and even Guinea fowls. All this birds are tiny birds and you cannot make much from their sale, for example a chick from chicken can be sold for as low as $1, this for me felt like a loss as they were also very prone to the new castle disease which keeps wiping out chicken flocks in our area. I looked at this and decided to rare turkeys which are big in size , bring in better income and are less prone to this commonly existing diseases. A Turkey chick can go for $5 and this is a very young chick. My goal is to breed my Turkeys and build a bigger house to hold them in large numbers and then sell them at a profit. This funds combined from savings from my teaching job I hope to put up a business."

"As I said earlier my house is a one roomed house that is not sufficient for me and my children. My children sleep in their uncles house who stays in the city. My goal is to add another house to the house which we own for my children. I have already finished buying iron sheets but now my concern is on building poles. I plan to use my savings in the sacco and merry go round to buy the building poles then negotiate with the mason on his charges before I can start building and I am hoping through this transfers I am able to achieve this goal."

"As I said we are currently seven of us in the merry go round, I received my share in January, I got a goat and took care of needs such as school fees for my youngest, got material for clothes and school uniform for my children. I am a single mother and hence fully reliant on myself for my needs. Being in a merry go round is something that is helping me build funds for needs that I may have with my family. I plan to continue with saving part of my transfers to the merry go round. I also plan to continue with the sacco since this is aimed at building a house for myself. I live with my mother and since my children are growing I would want them to have more space to stay in and hence my desire for a house of my own."

"For many years, I have supported myself and my family through physically demanding construction jobs. However, as I grow older, I am finding it increasingly difficult to continue with this line of work. I understand that these jobs pay meagre wages, and I need to look for other options to provide for my family. I have seven children who go to school and depend on me for their support. To secure a better future for them, I have decided to start a grocery shop that specializes in selling fruits and vegetables. I plan to save my transfers and sell some of my goats to raise the capital required to start this business. My aim is to create a reliable source of income that will not only help me support my family but also provide for my children's education. By doing so, I hope to reduce our dependency on manual labour jobs that are often scarce and unpredictable. Through this grocery shop, I want to create a stable and sustainable business that will help me secure a better future for my family and provide them with educational opportunities beyond the challenges posed by manual labour."

"Currently, I am buying building materials in bits with an aim of building a more spacious house. This is because the house I currently live in is small and I cannot start a family with it. Having a more spacious house is also advantageous especially when one has visitors as one will not have to worry about their accommodation. In addition to this, I am aiming at owning a cow one day. I am planning to make some baby steps towards achieving this goal. First, I am planning to expand my poultry project. Once I have many chicken, I can sell some and use the money to purchase a goat or two. I will in turn rear the goats until they will have increased in number and later use the proceeds that I will get from selling them to purchase a cow. With this, I'll be getting milk for our consumption and for sale."

"Poultry and livestock keeping has always been my passion with my main interest being in goat and chicken keeping. This is because they increase in number over a short period of time and they can easily be converted to cash when need arises. In addition, these are the items that I can comfortably buy using my transfers. Due to this, I am currently planning to venture into it. I will be using my monthly transfers to purchase either a goat or two chicken monthly depending with my household needs and financial status as at the time I'll be receiving the transfer. With this project in place, I will be sure that my family's needs are always covered since I can easily sell any of them in order to get money."

"I have two major goals that I plan to focus on this year and next year. First, I would love to sharpen my driving skills and later, look for a driving job. This will enable me to have a steady source of income that I can always use in supporting my parents and siblings. By next year, I am planning to open a hardware shop. I will not leave my driving job after opening this shop, rather, I will employ someone who will be running it. By doing this, I will not only diversify my sources of income, but I will also have created a job opportunity for some people. Currently, I do not have money to use in achieving this but I believe that by next year, I will have some savings which I will then top up with a loan."

"I currently live in a house built of mud which is not very stable and the building poles are showing signs of weakness. It poses a risk of collapsing and compromising the entire structure. To avoid potential consequences, I have decided to rebuild my house using cement and bricks to ensure a more permanent and sturdy structure. Renovation is extremely important for me as it guarantees resilience, even during heavy rainfall. My strategy is to purchase building materials such as cement, sand, and bricks gradually. I plan to accumulate these materials incrementally until I have enough to commence the reconstruction process. I believe that rebuilding my house will ensure a more secure and durable home."