"In six months' time, I will have completed paying school fees for my children who are in secondary school. This will be a milestone that I will have made in my life and my family at large. My hope is to also settle and think about how I will put investment thoughts together to help me venture into an income-generating activity that will sort our lives as we go along."

"Owning a permanent spacious house is the biggest difference in my daily life. I have been yearning to construct a decent house but due to my low financial status, I could not afford it. My previous house was in bad condition. It was a grass-thatched roof house that had many cracks on the walls. Whenever it rained especially when it was at night, we could not sleep till dawn. My children were even forced to sleep at my neighbor's house which was not safe at all since they had to walk in the dark. But the coming of GiveDirectly to my life has transformed everything. The story is now different since we no longer dread the winter seasons. Secondly, it was hard for them to study at home because the house did not have enough space. I feel this was affecting their academic performance. Ever since I constructed a new house they have been studying comfortably without any interference and I feel good as a parent. I can even invite some of my friends unlike before whereby I felt embarrassed to invite anyone."

"My life will be different in the next six months in that I will have bought a cow with part of my monthly transfers. I do not have any livestock now and it is my dream to have some. Since I did not have a stable source of income, I was not able to achieve this goal. Now that GD has elevated my financial life, I will be able to buy one even if I will buy on a hire purchase basis. In the next six months, I am determined to have my own livestock. In my area, livestock is considered a sign of wealth and I would not want to be considered poor forever because I do not have any livestock. I know I will be able to achieve this dream because GD will fulfil their promise."

"In the next six months, I will have bought the required building materials for putting up a new house. I am currently living in an iron-roofed house though it was built ten years ago and its condition has been worsening on a daily basis. The roof is rusty and whenever there is a strong wind in my area, I have to call a mason to come to repair it because the iron sheets do come off. The mud on the walls too keep on falling off and generally the house is not in a stable condition. For now, I have decided to save my monthly transfers so that I can be able to put up a decent and durable house. I would not want to wait until this one collapses is when I start gathering resources to build a new one. This is why I will use my monthly transfers to buy building materials such as iron sheets, timber and nails to use in building the new house."

"My life will be different in the next six months in that I will have finished the tailoring course which I am currently undertaking. At the rate which I get money on a monthly basis from GD, I will be able to raise enough money to clear the required fees arrears and buy my own tailoring machine to start my own business. I know by the time I am finished with the course, I will have enough money to buy my machine and start my own business which will help me in meeting my needs and even support the family well. At least, I won't have to depend on my parents as I have always done in the past."

"When GiveDirectly came for enrollment in my village, I had lost hope of completing building a house for my family. This is because I wanted to concentrate on paying my children's school fees on time. The transfers came in handy as it enabled me to complete building this house and to clear my children's school fees. I will open a shop in one of the rooms in my newly completed house. This will help me generate some income daily as I work on my farm since it will be easier to operate it when at home. I will be using this income to meet my family needs on time."

"My house will have been plastered and I will have added some household furniture and cleared my children's school fees. This will be my greatest joy even after been abandoned by my husband."

"In six months' time, my wish of furnishing the house with seats would have come through. Having a house without seats is even a hindrance to guests' invitation because of the shame that one would feel for not having such basic assets. I hope that this is going to be successful."

"The struggles of being employed to sell water have really made start thinking of doing my own business. I have been going to work at five o'clock and leave work at eleven o'clock at night which is usually risky and hectic. For quite some time now, I have been saving all the monthly transfer that I have been getting from GiveDirectly. The recent one was not different because I also saved it too. I have already thought of what I want to do which is to buy a motorcycle. I feel like this will be a good idea considering the high market demand for motorbike transport services and many other advantages such as going home early hence not risking my life and even getting better pay than what I am earning currently."

"For a long time, I have dreamt of improving my daily life to make it better. I primarily depend on farming to earn a living to support the family and my basic needs. I have lived to struggle every day since my family needs ranging from my children's education to the daily household basic needs has been too much for my subsistence farming to settle them to satisfaction. I always felt bad whenever the basic household needs become challenging to meet with milk being the most expensive since I had no cow. I feel my life has greatly changed since I received my transfer in that I used part of it to buy a cow. I am happy that this has reduced my daily household expenditure and even added me an income from milk sales. I feel relaxed and enjoying a peaceful mind now that I have a supplement of income and an asset that I can lean on in cases of emergencies in my family."