"After completing the maize harvest on my farm, I will be abundantly stocked with food, granting me the opportunity to utilize my monthly transfers for purposes other than basic sustenance. I am considering livestock rearing as a pivotal investment strategy. As the livestock multiply, I can sell some and reinvest in acquiring more animals while also allocating a portion of the profits to cater to my daily needs. This way, I can ensure a sustainable and diversified income stream while securing a stable livelihood."

"With the forthcoming maize harvest from our farm, my family anticipates an abundance of food in the coming days, alleviating the need to purchase food from shops daily. Consequently, I will utilize the monthly stipend to cover my children's school fees and make investments in livestock. As the livestock multiply over time, I can generate income to meet my future needs and continue funding my children's education in the years ahead."

"My husband and I do casual jobs making approximately $50 per month which caters for food and school fees. The money is too little to do development projects and investments. This has made me think of how my children will proceed with education with such kind of casual jobs. Lack of reliable job is the challenge I am currently facing in life."

"In the coming year and beyond, my plan is to invest my transfer in purchasing goats. Previously, a significant portion of my transfer went to food and my children's school fees. This was mainly due to the challenges posed by years of drought, which made farming impractical for a long time. Unfortunately, I couldn't venture into other projects, such as buying livestock. However, I am pleased that the situation has improved recently and that I was able to resume farming after a period of sufficient rainfall. I cultivated my four acres of land, and I am now hopeful for a bountiful harvest that will address the food shortages in my household. With food security restored, I can now redirect my finances towards other endeavours, like acquiring goats. I see goat keeping as a promising investment since it offers several benefits. As the goats mature and multiply, I can sell them to fulfil my financial needs, such as educating my children."

"I would be glad to support the education of my four children as it is a powerful tool that can transform their lives and secure a brighter future for them. To accomplish this, I want to continue growing my herd of goats to build enough wealth for school fees. Currently, I have ten goats, and I am eager to continue expanding this herd. My ultimate plan is to exchange some of these goats for a cow, which would further add to my financial security. The cash transfers have been instrumental in opening up opportunities for me, and I am determined to make the most of them to secure a better future for my family."

"As a professional tailor, my dream is to turn my skills into a thriving business. Unfortunately, financial constraints have always stood in the way, making it difficult for me to afford the necessary equipment, like a sewing machine, and materials to start my venture. However, with the monthly cash transfers, I see a promising opportunity to finally make my dream come true. I estimate that I will need a capital of at least $150 to acquire the required sewing equipment and materials. Earlier this year, I joined a savings group, where I have been regularly depositing $10 each month. This practice has brought me closer to my goal of buying the equipment needed to start my business."

"Access to mobile money services has become a challenge for people in my village, especially with the rising demand driven by the cash transfers. They have to walk at least an hour to find a mobile money outlet. So, I aim to register as an agent to bridge this gap and provide a much-needed service to the community. Besides, I see the potential for this business to boost my income and create better opportunities for providing for my three children. To accomplish this, I estimate that I will require a starting capital of approximately $500. My plan is to continue setting aside money until I reach the desired amount to kick-start the agent business."

"My heart would be filled with joy if I could add five more goats to my herd of three. This would be a significant step towards securing a better future for my family. Ever since the passing of my husband, my son has taken on various casual labor jobs to support us. However, this places a heavy burden on him, especially with the responsibility of providing for his two children's education. So, these goats can serve as a valuable asset that we can rely on for additional income when needed."

"First and foremost, I want to invest in keeping goats, which will provide me with a valuable source of income in the future. With the income generated from selling goats, I aim to build a better and more stable house for my family. Currently, our living space is far from ideal, with a roof made of a polythene bag and just three pieces of iron sheets. Beyond improving our living conditions, I have always had a dream of working as a driver. To achieve this, I would be happy to start driving college. I am determined to work hard and use the opportunities presented to me, including the cash transfers, to build a better future for my family."

"My primary plan is to begin the process of building a new house, my current house is not in the best condition. Previously, financial constraints, particularly the need to prioritize food, made it difficult for me to embark on constructing a new home. With the hopeful prospect to harvest this year, I now have the opportunity to allocate resources toward building a better house."