"I am planning to improve my savings habit and start saving for my children's school fees."

"I spent part of my first transfer to pay school fees for my two sons who were joining high school. To be frank, I was not well prepared financially as I didn't have a stable source of income to depend on and to save on for their education. Though my sons kept on reminding me that they wished to join soon. I was greatly troubled and I almost lost hope for them to attend school. They had performed well in their national exams, but I could not raise the money to take them to high school. Thanks to GiveDirectly for the transfer. I am glad It came at the right time. They are happily staying in school. Their dream of joining high school has become a reality through GiveDirectly. Alongside the school fees, they are also staying comfortably as I also managed to do them some shopping. I have always wanted to have cows, but the money that was remaining after paying school fees, which was my most felt need at that time was not enough for this. So, I decided to buy goats. Hopefully, once they reproduce, I will sell the kids, get enough money to help me purchase the cows. The cows will help me in milk production. This will be like an income generating activity to my household. My eldest son had finished school too some years back but was idling in the village. Part of the money I spent on starting him a small retail kiosk. With this, he is fully engaged and also makes his own income as he waits for a white-collar job something he envies. Lastly, on the same transfer, I was able to buy food for my family, at least with ease this time around. Honestly, through this transfer, I've experienced changes in life."

"I spent part of my second transfer to pay school fees for my son who has just joined form four. It is a requirement for all the candidates in that school to board and this transfer came in handy to help me pay his school fee and also buy him the boarding requirements. I felt so much happy to see my son join form four with much ease. It has always been my hope and prayer to give him the best in terms of education as this is the only hope I have and look up to in the days to come. I also spent part of the remaining amount in buying our household needs and especially food to keep my family going. I come from an arid area that hardly produces any food and more often than not we as a family go without food. When I got this transfers, it was a relief on my side knowing that my family will have plenty of food in the days to come and thus enabling me to perform other duties."

"In the next six months, I want to invest more in my sardines business. I would not only sell in the nearby markets but also sell in bigger markets because I will be able to maximise on the profit. The profits will help me in paying school fees, clothing and feeding my family and finally take me into a higher standard in life. I would not want to go back to where GD found me. As they have shown me the way, I would want to keep working hard and give the best to my family."

"I didn't know how peaceful and organized one can be if he or she receives a monthly payment. Being a beneficiary, my life is currently different since I have been able to acquire loans to pay school fees for my grandchildren with the surety that I will settle it. This has given me a peace of mind and the joy of seeing my grandchildren who had lost hope of going to school achieve their dreams."

"I expect my life to change in the next six months in that I will have saved some amount to money to rent a piece of land and do horticulture farming. After harvesting, I will be able to sell part of my produce to get an income to pay school fees for my children who are joining college and even to meet other basic needs for the family."

"Before GiveDirectly visited our village, I lived in a small leaky house that anytime it rained even at night, we would wake up and move to a corner. The small house also doubled as kitchen and it made my children to endure difficult times doing their studies because we always used firewood that emit a lot of smoke. It is the transfer I received that I used to settle my daughters high school fees and saved some which I later used in admitting my son in form one. Joining form one came with a lot of responsibilities and I believe that without the cash transfer that I received my son would have not joined high school because her sisters fees had already overwhelmed us. It is the education of these children that we believe once they complete and get employed shall change our fortune."

"My new goals for the next four months is to fully complete constructing the new house which I started building using the previous transfers. Secondly, I want to save part of my transfers to buy a heifer. The heifer will produce milk which will reduce my daily expenditure on buying milk. The money I used to buy milk, I will save or use it to pay school fees for my children."

"I used part of my first transfers to pay school fees for my children who are in high school since the money I had would not be enough to clear the arrears they had including this term's fee. I used the remaining amount in increasing stock and buying items that I was not selling before in my shop so as to increase my profit."

"The biggest difference in my daily life is that apart from the different casual works I usually do, I now have an alternative source of income which is selling milk that I will be getting from my cow. This has always made my heart be at peace unlike before since I know that I will be able to pay for my children's school fees without any difficulty."