"Givedirectly transfers have made us very active in making pooling money and using them for big projects. Myself and four other members of our family formed a small merry go round where we make a monthly contribution of $20 which comes from our transfers. In the recent past I have made savings of $60. I have also had a chance to ensure my children are fed, and have gone to school at $19, and $8 respectively. I have some chicken that I rear and I was able to get then feed at $5"

"I am a mother of three children, and with the recent transfer, I spent $32 to purchase a new mattress. The old mattresses my children were using had worn out, so I wanted them to have a comfortable place to sleep. Additionally, I spent $10 on their studies to ensure they aren't sent home from school. Currently, I have four goats. With part of the transfers, I used $34 to purchase another goat. Investing in goats is wise because they can multiply quickly, and I can sell them if unexpected expenses arise, like school fees. I also have eight chickens, and I spent $14 to purchase four more, increasing my flock. Chickens are profitable as they multiply, providing a source of income when sold. Finally, with the remaining $12 from the transfers, I bought food for my family for the week."

"As a mother of four children, ensuring their education remains uninterrupted is my top priority. Recently, I spent $10 to pay their school fees, ensuring they wouldn't be sent home. Additionally, I spent $30 on food so they would have something to eat when they returned from school. In an effort to invest in our future, I allocated $14 to purchase two chickens. I believe chickens are good investment due to their rapid multiplication and potential to generate income through sales. Currently, I have five chickens and I am hopeful they will multiply quickly. Furthermore, I have started saving in a bank account, setting aside $10 to grow my savings. This financial discipline is aimed at eventually starting my own business and ensuring I can provide for my children's needs without any difficulties."

"My plan for this year is to work hard and complete constructing both my son's house and my own. Having comfortable living spaces is of utmost importance to me, and I plan to use my transfers to purchase the necessary building materials to make this a reality. Once the construction of our new homes is complete, I intend to shift my focus to something that will enable me to generate income in the future. I plan to use part of my transfers to buy chickens and goats, hoping that they will multiply and increase in number and value over time. In the future, I can then sell them to generate income that I can use to support my family's needs, including paying for my children's school fees to enable them to continue their studies without interruption. I am excited about the potential of these plans and am confident that they will positively impact the well-being of my loved ones."

"I am into charcoal selling business and as I continue to manage my transfers and the income from my charcoal business, my primary focus remains on ensuring that my children complete their education and have the means to lead independent lives. I plan to use part of my transfers and business earnings to continue funding their education, guaranteeing that they can complete their studies without interruption. Additionally, to achieve my long held dream of becoming a livestock farmer, I intend to continue investing in goats and chickens using part of my transfers. I am confident that these chickens will multiply and increase in number, allowing me to sell them in the future and use the proceeds to buy more goats. Similarly, I hope that these goats will multiply and increase in number and value, enabling me to trade some for cows and sell others to support my children's education and family needs. Once I have a sufficient number of cows, I plan to sell some to generate funds. With these proceeds, I aim to start a livestock selling business. This venture will involve buying livestock from farmers and selling them in the market, thereby securing a stable financial future for myself and my family."

"I want to join a tailoring course once I accumulate enough funds to cover the fees. Therefore, when I received my most recent transfer, I allocated $60 to save in a chama group towards my college fees. I also spent $12 on food for my family as we were running out of food and $6 on a uniform for my child who was starting school for the first time. Additionally, I paid $6 in school fees to ensure my children were not sent home due to fee balances. With the remaining amount, I spent $2 on a chicken for domestic rearing and used the final $3 for bus fare to visit a sick relative in the hospital."

"As a mother of nine children, with six currently attending school, my top priority when I receive my transfers is to ensure their education continues without interruption. Recently, I allocated $40 towards their school fees, securing their place in school. Additionally, I spent $24 on food to ensure they come home from school nourished and ready to learn.In terms of investments, I currently manage a small livestock farm. I have seven chickens, and with $4 from my transfer, I purchased two more chickens to expand this investment. Chickens are advantageous as they multiply quickly and can provide a reliable source of income through sales of eggs and also selling the chicken themselves when they hatch. Furthermore, I believe in the potential of goats as an investment. I currently own six goats and recently invested $34 to acquire another goat. Goats are resilient animals that can multiply and are valuable assets. My long-term goal is to eventually acquire a cow by selling some of the goats, while also using their sales to meet our immediate needs."

"This year, my main goal is to acquire a dairy cow to further secure my family's future. Currently, I manage a small livestock farm with five goats, five sheep, and six chickens. My strategy involves allowing my goats and sheep to multiply, then selling some of them to raise funds for purchasing a dairy cow. Investing in a dairy cow is crucial for generating income through milk sales. This additional income will not only support my family but also contribute to my children's education, ensuring they have a brighter future. As I am currently unemployed, I sustain myself by producing and selling charcoal, and acquiring a dairy cow would create more self-employment opportunities, where I will now have a stable flow of income to sustain my family."

"When I received my most recent transfer, I allocated $20 towards my monthly contribution to the chama, which helps accumulate funds for future use, particularly towards opening a shop. I also used $10 to pay school fees for my younger siblings, as my currently jobless parents are unable to cover these expenses. Additionally, I spent $9 on purchasing food for our family's consumption and $4 to pay the electricity bill, essential expenses for our household. Since my mother was unwell, I allocated $10 to provide her with bus fare for hospital visits. Finally, I invested $14 in buying two chickens as a form of future financial security."

"Since I am currently a student in form two, I immediately decided to pay my fees upon receiving my transfer, ensuring I am not sent home for a fee balance. I allocated $20 towards my school fees. Additionally, I saved $50 in my equity account towards my future college fees as I will soon be transitioning to college. With the remaining amount, I spent $6 on personal items like soap and body oil. I also bought two chickens for $8 for domestic rearing and spent $8 on medicine because I was unwell. Additionally, I spent $10 on personal clothes since I did not have enough and $6 on food to help my mother support my younger siblings."