"I currently live in a small two-room house made of mud, with an old iron sheet roof that has developed holes. The rooms are cramped and do not comfortably accommodate my four children and me, but we have been enduring this situation since we have no other option. With the rains now here, I am concerned that the walls may collapse as they have become very weak. Given these challenges, my immediate goal for the coming year and beyond is to build a spacious two-room house that will provide enough space for my family to live comfortably. To achieve this, I am part of a merry-go-round savings group where I save $20 every month. When it is my turn to receive the funds, I plan to use the money to buy the necessary building materials. Once I have enough materials, according to the builder’s requirements, we will begin construction. Additionally, I have decided to save part of my income from my vegetable business to help speed up this process. I envision that once the house is completed, it will create a better living environment for my family, bringing happiness, a greater sense of belonging, and security."

"In the coming year and beyond, my main goal is to invest in livestock farming. Due to the high prices of goats during the Christmas season, as many people buy them for slaughter, I’ve decided to start with chicken rearing as a more feasible option. I currently have 12 chickens, and they are multiplying. Once I have enough chickens, I plan to sell them and reinvest the profits into purchasing a female goat. I intend to use part of my transfer, along with the income from selling chickens, to invest in goats. I see this as a reliable investment since goats multiply quickly and are more drought-resistant than other animals, making me confident that this project will succeed. This investment will help me address future financial needs, such as paying school fees, as I can sell the goats’ offspring once they have multiplied to cover such costs and handle unforeseen emergencies. By diversifying my sources of income through this venture, I hope to build a stable financial foundation for my family’s future. Investing in livestock farming will provide a steady income, allowing me to manage school fees and deal with any unexpected challenges."

"In the coming year and beyond, I have two key projects I am determined to establish. First, I aim to open my own hotel business to generate a stable income that will support my children and family. To work toward this goal, I joined a merry-go-round group where I save $20 each month, with the expectation that by December, it will be my turn to receive my savings. I currently live in Mombasa after separating from my spouse, and I moved here seeking employment. I am now working at a hotel, though this is a temporary job while I focus on gaining skills and saving money to eventually own my own business and build my own home as well. Second, my plan for the upcoming year is to purchase land and build a home for my two children. At the moment, I reside in my parents' house, but I feel it’s crucial to have our own space for the well-being of my sons. Having our own home is vital for their stability and growth, and it’s a dream I’ve held for a long time. I am determined to make it a reality, no matter the obstacles I may face."

"My goal for the coming year and beyond is to join college and study nursing. Once I clear the remaining $40 debt and obtain my certificates, I plan to save diligently to pay my college tuition. By continuing to participate in the savings group, I hope to make this dream a reality. I am incredibly grateful for the financial support, which has played a significant role in helping me clear my school debt and take important steps toward achieving my dream of furthering my education."

"I have faced many challenges in life due to my lack of education. Without a proper education, finding a well-paying job has been nearly impossible. However, I am determined to change the trajectory of my children’s lives by providing them with the best education possible. My primary goal for the coming year is to ensure that my children continue their education without any interruptions. To achieve this, I plan to save a significant portion of the transfers in a savings group. This will not only help me accumulate funds but also give me access to a loan that I can use to pay their school fees. I will then repay the loan in manageable installments. I am deeply grateful for the financial support, which is empowering me to work toward this important goal and secure a brighter future for my children."

"My primary goal for next year is to ensure that my children continue their education without any interruptions. To achieve this, I am committed to saving more money through the savings group I joined. This will enable me to accumulate enough funds to pay their school fees. Additionally, the savings group offers the option of taking a loan, which could provide the extra support needed to keep my children in school consistently. I also have a long-term plan to purchase land and build a house for my family. With my business doing well, I am optimistic that I will be able to achieve this goal using the profits generated. Owning land and a home will provide my family with stability and a better living environment. I am truly grateful for the financial support, which has been instrumental in helping me work toward these goals and improve my family’s future."

"In the coming year, my goal is to increase the number of goats I own. Ultimately, I hope to acquire two bulls. For a long time, I have struggled with plowing my farm during the rainy season, and owning the bulls will solve this problem. Instead of paying a high fee to hire a tractor, I will have the bulls to do the work myself. Additionally, I will be able to offer plowing services to others, earning extra income to help support my family. I plan to use part of my future transfers to buy more goats, and once I reach a total of ten, I will exchange them for a bull. I am really grateful for the financial support received, as it is bringing me closer to reaching this goal and improving my life."

"My goal for the coming year is to purchase the remaining building materials, which are the building poles, and then save enough money to hire a mason to start the construction of our house. To achieve this, I plan to use a portion of my transfers, setting aside $20 every month to buy the building poles. Additionally, I will contribute extra funds from the profits I make selling sisal ropes, along with my husband’s earnings from his charcoal sales. This combined financial effort will ensure that we are able to build a safer and bigger house for our family. I am very grateful for the financial support, which is helping us work towards realizing this goal in the near future."

"My primary goal for the coming year is to build a toilet for my family. Currently, we have to rely on nearby bushes for both long and short calls, which is both inconvenient and unhygienic. Constructing a toilet will help us maintain a high standard of hygiene and improve our overall quality of life. To achieve this goal, I plan to save $14 every month for an entire year. Along with the profits from my business, I will use the savings to fund the construction of the toilet. Having a toilet at home will make life much easier for my family and eliminate the struggles of going to the bush. I am deeply grateful for the financial support, which is helping me work toward this goal and create a healthier and safer environment for my family."

"My goal for the coming year and beyond is to invest in purchasing more goats with my subsequent transfers. I previously bought five goats, and my plan is to continue adding to their numbers. To achieve this, I will save $20 each month in our savings group, allowing me to gradually accumulate enough money to buy additional goats. Goats are a valuable investment for me because they multiply quickly. Once their numbers grow, I’ll be able to sell some to address basic needs or handle emergencies if they arise. This strategy will help me build financial security and stability for my family. I am very happy and deeply grateful for the financial transfers, which have been instrumental in helping me care for my family and plan for a better future."