"I am so glad I am in a savings group. I joined the savings group after Joining the Givedirectly program. I want to get to $15 in savings which we hope to distribute to each person once their turn comes. I want to use this savings to buy a goat or sheep which I believe will contribute building wealth. Animals have a huge turnover in profit which I would like to be part of the beneficiaries. I may even buy a cow which has better returns since I can milk and sell it to the locals."

"I am building my farm to become an animal rearer. I plan to increase the herds even as the year comes along. I believe that animals are profitable and that one can really grow from keeping them. I do Motorcycle business which means I make some income even though not sufficient to achieve this dream of rearing animals which I have gotten through the transfers mostly. My aim is to increase this animals further which means I will be able to become fully sufficient as animals make a profit always."

"I am a single mother living with my five children. I live as a scotter in a land that belongs to a neighbor who lives at Matsangoni. I can not do any development projects in this land. I do casual jobs earning approximately $20 per month which caters for food and school fees to my children. I lack the capacity to buy my own land."

"I would like to get some animals for myself. I have been spending a majority of the amount I receive for my transfers on my children's school fees. I have 5 children in school and each requires about $37 in a term for their school fees. I have been paying this in bits monthly from the cash transfers we receive from Givedirectly. I want them to get a good education but I know secondary school will have more requirements monthly in terms of cash and this means I need to create an emergency fund. I want to buy animals to be my emergency fund. I believe the rate at which animals such as chicken and goats multiply I will have a sufficient number that I can sell and take them through high school."

"I want my children to get an education. I am a widow that means I do not have someone to share the burdens of childcare with. I used to make local food items and pastries and sell to locals but I couldn't make enough to take care of my children. I decided to go and seek out work as a house help in town so I can get some more cash than I was making with the business. I now earn around $40 monthly but this is still not sufficient for needs. My son in secondary school lives on his own which increases the expenses that he uses to get by for instance he pays rent of $3 monthly for the house he stays to access school. I can cover rent but school fees is still a big burden. My plan is to educate my children through this cash as it provides the relief to paying for education."

"Lack of job is the challenge I am currently facing. I do casual jobs earning approximately $20 per month which caters for food only. This has affected me such that I have a grandson who under me failed to join form one this year due to lack of school fees."

"My main goal is to see my children go to school without being sent home for school fees. I currently have seven children; six are in school and one is yet to start, getting money for the their school fees had been quite a challenge. I, therefore, plan to save every part of the transfers that I will be receiving from GiveDirectly and add to any little amount that I would be lucky to get so that whenever school is required, I would not have a hard time looking for any amount of money."

"The house that I previously lived in collapsed in June last year, a situation that forced my family to move into a small house that we operated as a kitchen due to the lack of enough to set up a new house. It had always been a challenge for me owing to the fact that I have grown up children. My goal was therefore to have a new two-roomed house and I have started working towards it by saving part of my transfers and I believe that before the year ends, I shall have a better place to live in."

"My main goal is to educate my children to a higher level. I currently have four school-going children but the journey had never been that easy due to the financial challenges that my wife and I face, but despite all that, I had never given up. I, therefore, plan to be spending part of my monthly transfers on reducing the huge balance at school and also buying a goat every month that would help cater for their school fees in the future."

"My main goal is to own a better house. My family currently lives in a small house and with the growing population, it had become pretty hard to operate. I, therefore, want to construct a bigger house that would have enough space, and to achieve this, I plan to continue buying livestock to add to the ones that I already have and later sell them in order to get the money that would help me in bringing up the house."