Currently, I am looking forward to raising tree seedlings. The money which I will be receiving as my next transfers I would spend on buying materials for raising the seedlings. Due to government push on environmental conservation in the recent past, I saw a great opportunity which would enable me to raise money for spending back at school. I intend to set up a nursery where I would raise various tree seedling so that I would plant some and sell some to my neighbours. The income which I would earn from this I would be spending on paying for my accommodation back at school as I am studying on the school-based programme.

In July of this year, we got to buy a water tank. I together with my brother and mother we put together our cash transfers and spent on buying a water tank. We had no proper water storage for drinking water which would for my mother to travel for long distance to fetch water from a nearby stream more often. This was a tedious task for her and we opted to make her work easier so that she would have time for other household chores. I am now happy that she can now rest as she can have water right at the doorstep.

In the next few months, I will be going back to school and receiving this transfer would enable me to pay for my accommodation. Again, the crops which I had managed to plant with part of the transfer from Give Directly will be ready for harvesting. This would enable me to raise money for paying for my school accommodation fees and also buy a sheep for rearing. Having a sheep will be a great achievement as this would enable me to have more livestock in future as it reproduces.

I currently have some beans that I planted with the help of the monthly transfers I usually get from Give Directly. I have always wanted to invest in farming but the little money I get from the job as a teacher is barely enough to pay my school fees, buy food and other basic utilities. The biggest difference that I feel is the fact that I managed to start farming which has always been my desire, without affecting the payment of fees and other basic needs. I am happy that in less than three months, I would get some good return from the sale of these crops.

My next goal is to buy and rear sheep so that when they multiply I will resell and use the proceeds thereof to buy my own cow. As a young adult, I am planning to start a family soon. Having this livestock will help me later during the payment of dowry and also as a source of milk for my family.

Over the past few months, we have experienced a food shortage in our locality. This was as a result of a bad harvest brought about by a strange disease which attacked our crops. Because of this, we have been forced to buy food to the extent that we had exhausted the little savings that we had after depleting the little food that we had in store. Give Directly came in handy with the monthly transfers that we get because this is what has been helping us buy food for my family.

I am expected to sit for my final exams in the next six months. My expectation, therefore, is that before then, I have all the requirements needed to sit for this exam such as ensuring that I have completed paying the school fees required and other requirements. It is my prayer that after the last exam, I will graduate and secure a better job now that I will be better qualified. This will be one step toward my desire of being financially stable.

My living standard has risen over the last four months. I can afford to pay rent with very little difficulty and still get enough money to buy food enough to sustain me in school. My parents struggle to meet their daily needs has also been greatly reduced.

I have no additional goals for the next four months except to continue working hard in school and make sure that I pass very well in the coming days. I do not want to be a let down to my parents and myself. I am taking advantage of the boost that these transfers are giving me to give my best and secure employment as soon as I complete schooling.

I started receiving these transfers when I had just joined college. Getting enough money to gather for both school fees and pocket money would have been a hard task for me and my parents. Life has been different from the time I started receiving these transfers. I use all my transfers to pay rent while my parents struggle to pay school fees. It has made my studies more simple and quite interesting.

In the next six months, I expect to harvest my tomatoes and expand my income generating opportunities. Ultimate goal is to diversify my income and be more self reliant.

Four months ago we would take tea without sugar, skip some days without food. W now have a now norm with enough food on the table, I cannot recall the last time we skipped a meal since we started receiving GD transfers. We are happy we can afford the most basic needs, importantly food.

My additional goals is to pass well in my course given that I am currently not badly off financially. I will also not be borrowing/ depending much on my neigbour who has been seeing me through my financial struggles.

I attend school based program for my degree program. Therefore, being able to save money for college accommodation, personal needs and necessary course requirements is the biggest change I have so far. Before GD, depended a lot on my parents and a neigbour of good will for my course requirements.

I am planning to buy a two hens that are ready to brood. I am looking at having about ten healthy hens by end of six months. My school needs will also be taken care of, I am saving a little every month to enable me afford college accommodation and food.

I plan to improve academics in school because i will be settled when i go to back to study.I will not have a fee problem and this will give me a amble time to concentrate and do better.

currently my capable to pay school fees has increased .This will lead to improved performance in academics

In the next six months, my life will have improved because i will have improved my academic performance. I will be able to study well leading to the attainment of my goal..

The biggest difference is that it reduced the expenses that i have in school costs from my pocket money.I am saving this money so that i will have a smooth day in school when i go to study.