"When my transfer comes, I will use portion of it to start my building project and the remaining for my children's school fees."

"I spent part of my first transfer on buying some building materials like the poles KES 5000, iron sheets, nails, and timber at KES 20000. I bought all these with an aim of constructing a new spacious house since the initial one was almost collapsing with poor roofing. Also with my seven family members, it could not accommodate us all and this led to some of them sleep at my relative's houses. In addition, I am planning to buy five goats at KES 3000 each in the neighboring market. These will now serve as the assets that I will rely on in case of any emergency, Also, I paid school fees for my five children who are still in the neighboring primary school KES 2000. With the remaining amount, I am using it in buying enough foodstuffs for my family. I am happy we no longer skip meals like before."

"The biggest difference in my daily life is that through the transfer, I was able to buy goats that I am currently keeping in my homestead. I settled on rearing them because they reproduce twice a year and require minimal management and their offspring mature very fast compared to other domestic animals. Furthermore, their food is easily available in my region since they can live in any type of climate. I am hopeful that they will multiply and increase in number within a short period. Therefore, I shall sell some in our local markets and to my neighbors. And according to me, these are the well-thoughtful assets that will help me shortly more so my children education journey since they are now in primary schools. Being jobless and only dependent on my spouse for the daily upkeep who also rely on temporary jobs with a daily income of KES 150. This would definitely not be enough to cater to our five children's school fees once they transition to secondary schools. Thank you GiveDirectly for making an impact in my life."

"I am planning to start modern dairy farming but all my income had been going to school fees payment. This made me unable to start this project. I will use this money (KES 100000) to achieve my dream of owning a dairy farm. This will help me tap more income from the sale of milk."

"I am currently using my main house like kitchen and house for sleep, this money allows me to build a separate kitchen with KES 40000. Also, I am struggling to pay school fees for my son in secondary school, this money will help me clear school areas of KES 20000. I am currently relying on casual jobs to feed my children which have been uneasy for me, I will budget KES 10000 for food and other basic needs for my family and use the rest of KES 30000 to have a cow for myself, this will give me a good opportunity of making some income through the sale of milk."

"I dropped out of school while in form two due to financial problems. My elder brother was my guardian who used to pay school fees for me, but unfortunately, his job ended. I was stranded, I was only left with the option of searching for a housemaid job until I met the love of my life. We got married in 2017 since then life wasn't as I expected it to be. We currently have 3 children and my husband depends on a casuals job that is not frequently found. He earns 200KES shillings in a day which is insufficient to sustain the family of nine, other than that we sleep in the same house with my mother inlaw which is forbidden in our culture but there is no other way because we don't have money to build our own house. We are just praying to God to protect us so that it wont affect us."

"I dropped out of college and my dream of becoming an electrician hit a dead end. It's been eight months now and I haven't been able to raise the 24000 KES required for my school fees. I knew all was lost until GiveDirectly came to our village. My hope is rekindled as these transfers will see me continue with my studies. Upon completion of this course, I hope to get a job that will change my life for the better."

"The biggest hardship I have faced is financial constraints. I collect scrap metal from the households in the village and neighbouring villages which I sell on Saturday to a broker in a nearby town. I earn KES 27 per kilogram and an average of KES 1,000 per week. This is not enough to cater for my family needs especially school fees for my two daughters in Secondary school. Also with my age the work is becoming more difficult and unfavourable."

"Receiving this money means an increase in my assets. Currently, I do not have any cows. I will purchase a dairy cow costing me approximately KES 30,000. It will help me if I sell the milk I get from it to earn. I also have three children in high school and one in college, whom I strain to pay for their school. I will pay up their school fees so that I can focus on other developments. This will cost me KES 50,000 a year."

"The money will meant having a good house,blanket, bed and kitchen utensils. I gave birth to six children and unfortunately one passed away. My eldest child is doing businesses in Lilongwe were he sales pots. I lost my husband my husband during 2020 campaign period. Currently I am doing a small business, I buy and sell bananas for a living. At times I do bake banana muffins locally known as Zitumbuwa. On average I make K9000 ($8.67) per week. I use the money to buy food. I do owned half acre piece of land. Due to lack of fertilizer I sometimes harvest 3 to 4 bags of maize weighing 50kgs each, but the land is capable of producing 12 to 15 nags of maize if fertilizer application is done accordingly. I use 70kgs of maize per month for my household. Based on that, what I harvest is only enough to takes us for 2 and half months. And then I buy maize that will be used for the next 10months. As I earlier told you that I lost my husband, it means I do most of the things alone. I do pay school fees for my children and I also use part of the money to take care of the house. This left me with no money to save for fertilizer. I have never benefited from Government Fertilizer subsidy program before. I want to build a nice house as the house am living in has dangerous clacks using the cash gift. Then I will reserve some money to buy food, fertilizer and beddings. I am sure I will invest a small amount of money into my banana business. In future I am planning to buy a large piece of land for family."