"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."

"I run a small business selling delicious mandazis. Every morning, I prepare them with care and go door-to-door in different compounds to sell them. Once I finish my sales, I also cut trees and produce charcoal to supplement our income. My husband, on the other hand, actively searches for construction jobs to help us make ends meet. I am deeply committed to creating a better future for my children. My ultimate dream is to set up a permanent spot where I can sell a variety of food items like chapatis and mandazis. This would simplify my work, attract more customers, boost my income, and improve our family’s quality of life.To achieve this goal, I save $10 every month to secure a business premise that will make my work easier."

"I currently live in a mud-walled, iron-roofed two-roomed house. Unfortunately, the roof has developed holes, and when it rains, water drips inside. To address this, I joined a merry-go-round group where I save $20 every month to help me with the building process. Time is moving quickly, and I want to ensure I complete these projects before the support ends. I have already started purchasing building materials using part of my savings. When it was my turn to benefit, I decided to use the entire amount to buy a few iron sheets. I plan to use these sheets to renovate the roof first to stop the rain from leaking inside while I wait to receive the remaining funds to start building a new house. Additionally, I have a project of buying livestock, specifically a cow, as it will serve as my future financial security once these transfers come to an end."

"A few years ago, I was in college studying Early Childhood Education, but I had to drop out due to financial challenges. Becoming a teacher and imparting knowledge to children has always been my dream. For the coming years and beyond, I have a clear vision of returning to college and achieving that dream. To make this possible, I plan to continue saving a portion of my transfers in my local savings group. Once the savings accumulate, I will invest some of the money into my dried fish selling business and some into raising goats. My goal is to expand my business, generate more profits, and use the income to support my family. With the goats, I hope that they will multiply, allowing me to sell some of them and use the proceeds to return to college and fulfill my aspirations. I am truly grateful for the opportunity that GiveDirectly has provided me, and I am filled with hope that I will be able to achieve my dreams."

"My dream has always been to become a livestock farmer, and I plan to achieve this dream using the transfers that I will be receiving from GiveDirectly. In the coming year and beyond, I am fully committed to investing more in livestock farming, particularly goats, using a portion of my transfers, as I have seen the significant returns it can provide for my financial stability with the hope that they will multiply, increasing in both number and value. Owning goats will offer me financial security in the future, helping to ease any financial burdens that may arise. I am truly grateful for the support from GiveDirectly. It has had a profound impact on my life, opening up new opportunities for me to pursue sustainable income-generating ventures. I am filled with hope and excitement for what the future holds."