"I have saved my transfer and planning to start another business with the money. I have been doing a small groundnut business which has not been yielding so much income to help me meet my needs. This is why I have chosen to save the transfer to start a shoe business which I know will give me a better income to help me meet all my needs. I would want to have a better future."

"Before the transfers, I did not have any reliable source of income. I used to struggle through day to day casual jobs which were very inconsistent. This is why we would struggle as a family to ensure we meet all our daily needs. I would forgo some basic needs because I did not have the money to meet all of them. I realized within a very short time I had accumulated so many debts to keep my family going. This is why when I started receiving my transfers, I used them to start a shoe business. Right now, I feel so much relieved and I have managed to pay all my debts. The little income I get on a daily basis from the business has helped me make a very big difference in my financial life."

"In the next six months, my life will have changed in that I will have cleared paying my sons' school fees. This will allow him to concentrate on his studies since he will not be sent back home. I am also hoping that I will have paid for his boarding fee so that he will not be coming back home in the evening. This will enable him to always have enough time for revision, especially in the evening."

"In the next six months, I hope to have moved several steps in my studies and this achievement motivates me to keep on climbing to higher heights."

"When my spouse passed on,my eldest child was still in primary school and so were the rest.Since then,educating them has been a struggle to handle alone.I had to sell the only cow he had bought before he died so that I could start off their secondary fees.It has been very difficult because all the needs that my children have day in day out all depend on me,not to mention school fees!Upto now,there are three of them still in school and my constant worry has been that I may not be able to educate them due to lack of school fees.This is mainly because I fully depend on farming which is sometimes very unreliable.This is the biggest hardship I have faced."

"In the next six months, I expect to see my lastborn son settled in school having cleared all the first term's school fees. I am really motivated towards this given that he is the lastborn son in our household and also considering the fact that all other children in our household never took the education that serious."

"I am planning to spend approximately 200 usd of my first transfer to build a new and warmer house. With my asthmatic condition I cannot continue to live in a cold and dusty house. Receiving this money means a good health and reduced money spent on medication."

"In the next six months, my expectation is to have bought and installed a large water tank in our household. Currently, we're in the last pits of our merry-go-round and within the next three months my husband will be receiving his turn and in that following month, I will be receiving too as the last person in the cycle. This money will then be accumulated and channeled directly towards the purchasing and the transportation of the tank to our home."

"In this 21st century, education is the key for every child. Currently, my last born is in form 3 and my desire has been to educate him to the university level so that he may secure a good job in the future. This ambition has been faced with a lot of challenges because most of the time my son is always sent out of school due to lack of fee. Receiving this money means quality education for my child as I am planning to spend $ 60 in clearing the third term fee arrears. I will use the remaining amount to purchase 15 goats at 30 dollars each, this will be a longterm investment that will help me in advancing his studies."

"Changing my housing status is my longest desired dream that I have never fulfilled in my life due to financial challenges. Since I was married, I never imagined sleeping in an iron roofed house that I can call mine because my husband has no job to enable him construct one. This has forced us to borrow some pieces of iron sheets to make a structure that can spare us from the harsh cold seasons. When I heard the coming of GiveDirectly to our village, my point of having a decent house appears to be real since I am planning to use utmost $400 on house construction. This will place me in line with the life standard of other people in our homestead. In addition, I purpose to use $300 to buy an oxen that will help me to upscale my farming and also to hire to my neighbours on fee. Achieving all these means a better life and that is my long wished transformation."