"This year, my goal is to purchase goats as an investment for the future. I plan to achieve this goal by utilizing both my upcoming transfers and my savings. Acquiring these goats will serve as a valuable investment for my children's future, as I can quickly sell them to cover their school fees when needed. Having this will give me a lot of financial relief and peace of mind as my children's needs will be taken care of. I am delighted to be a part of this life-changing opportunity." (Country: Kenya)

"I have a daughter in her second year of university who was almost unable to sit for her exams because we couldn't afford the fee of $580. Fortunately, I managed to borrow $130 from a friend and added my second transfer of $450 from GiveDirectly to clear her fees. Indeed the transfer was timely! As a small-scale grocer in an open-air market, my earnings are not stable, some days I make $10, and other days $5. With my husband's low income as a security guard, supporting our family of eight is challenging, especially with four of our children still in school. I’ve experienced the pain of dropping out of school at the junior secondary level due to financial difficulties which has highly contributed to my today's struggles. This makes me determined to ensure my children have a better future. We motivate and encourage them to do their best in school. Thank you, GiveDirectly, for your timely help. Without it, my daughter might have missed a crucial step in her education." (Country: Kenya)

"During the dry season, there is a scarcity of fresh vegetables, which increases my desire to provide the local community with a consistent supply of relish. This would save them the inconvenience of traveling long distances just to obtain relish. I aim to achieve this dream by establishing a kiosk where I will sell dried fish and omena, making them readily available for consumption. Simultaneously, I aim to increase my sources of income to continually support my children." (Country: Kenya)

"With the aim of achieving financial freedom, my current goal is to join welding school. Recognizing that education is a powerful tool for unlocking opportunities, I am committed to acquiring knowledge and skills that will pave the way for a prosperous future. By investing in my education, I am taking a significant step towards building a solid foundation for financial independence.I now have $40 saved towards my enrolment to the welding school that needs $80, which I feel is a good progress toward achieving my goal." (Country: Kenya)

"My goal still stands that I would wish to enroll in a tailoring course. Faced with unemployment and a lack of skills, I recognize the transformative power of education. By gaining expertise in tailoring, I aim to not only enhance my employability but also unleash my creative potential. Joining college and acquiring these skills is not just a personal aspiration; it's a step toward a more stable future for my family. I believe that with the right training, I can secure a job that not only fulfills me but also contributes to our family's well-being. Through this journey, I hope to support my husband in shouldering the responsibilities of raising our children and fostering a future where financial stability and personal fulfillment intertwine. Additionally, I would wish to be reunited with my husband and have a happy family again . Our family union was a bit cut short after my parents came for me just because my husband had not paid the dowry which he had promised to pay this month using his few savings." (Country: Kenya)

"I wish to build a house for my daughters so that they can have a secure place to sleep. Currently, they've been staying at their brother's house, but when he returns home with his family, they have no choice but to find accommodation elsewhere, often having to borrow space from neighbors for the night. Thanks to the cash I received from the Merry-go-round, which I saved using the GiveDirectly funds, I now have three iron sheets, with a plan to buy three more iron sheets quarterly to complete the house, aiming to provide my children with a two-roomed house" (Country: Kenya)

"The final step in completing the construction of my house is to install the roof, which will require 14 pieces of iron sheets. I intend to utilize my upcoming transfers to gradually purchase these iron sheets, acquiring them bit by bit until I reach the necessary quantity. I am immensely grateful for the financial support provided by the transfers, as it plays a pivotal role in enabling me to achieve my goal of homeownership. With each step forward, I am filled with gratitude for the opportunity to turn my dream into a reality, and I remain determined to see this project through to its completion." (Country: Kenya)

"As I embark on the journey, my primary focus is prioritizing my health. Recognizing the importance of a thorough medical examination as advised by the doctors, I am determined to utilize the upcoming transfers to seek the necessary medical attention. My goal is not only to address my current health condition but also to pave the way for a future filled with vitality and well-being. In the coming year and beyond, I aspire to cultivate a lifestyle that honors and cherishes the gift of health, embracing each moment as an opportunity for growth and healing." (Country: Kenya)

"I'm eager to break free from the confines of my grandson's house and reclaim my independence by focusing on completing the construction of my own home. With determination fueling my every step, I will diligently work on purchasing the remaining materials needed, piecing together my dream house bit by bit until it stands tall. This is about carving out my own space, a shelter where I can thrive and be myself." (Country: Kenya)

"I have decided to allocate my upcoming transfers towards purchasing more medicinal drugs to manage my mental illness. These medications are crucial in preventing the frequent recurrence of my condition and maintaining my overall well-being. Additionally, having funds set aside will provide me with peace of mind, knowing that I can cover any hospital bills in case I need to undergo further check-ups or treatment. I am profoundly grateful for the financial support I have received from the transfers, as it has been instrumental in helping me manage my mental health condition. This assistance has provided me with the means to access necessary medications and healthcare services, ultimately contributing to my overall stability and well-being." (Country: Kenya)