"This year, my plan is to continue purchasing building materials and cover labor costs for myself a new house. Right now, I am very old and sleeping in a kitchen where we cook with firewood, which creates a smoky environment that is not conducive to sleep—especially for someone my age. I long for a space with clean air, free from smoke, and I truly hope that this dream will come true, as it would bring me great happiness. Once the housing project is complete, I intend to use my future transfers to buy goats and chickens. My hope is that they will multiply and increase in number and value, providing me with financial security once this program comes to an end and therefore have something reliable to depend on in the future. I am very optimistic that soon I will be sleeping in a good space."

"My husband loosing his Job set us behind as a family. Receiving cash transfers allowed us to bounce back and set up something to supplement our income. I am planning to invest this business and allow it to grow much further which will enable me save towards getting my own husband his own Motorcycle which will allow us to have two sources of income which will build our family further."

"Cash has allowed me to dream. I never in my wildest imagination thought I could join a savings group and make large cash investments. I recently bought a cow using my $150 received from the cash I had saved. I want to now open a business. I will require around $100 to start the business. My plan is to save and get to this amount and then start the business. This will change my financial fortunes as now, my husband is the sole income earner in our home. I would like to see this change."

"I have a one roomed house that serves both as our kitchen and our living and sleeping area. I have 5 children which makes it very hard to all sleep in this house and we end up asking for places for them to sleep from our neighbours. I do not like being a bother but building a house is an expensive affair. My hope is to ensure that I am able to build an additional house to house my entire family and this savings group will play a big part in meeting this goal."

"I am unable to engage in any gainful employment as I need to be around my child who is epileptic unless they are in school. This means that I spend most of my time is given to childcare. I would want to spend a business that allows me to focus on my child and that's why I have invested in chicken farming. The plan is to get this animals up to about 10 goats which can all reproduce this with the chicken gives me a chance to make an income."

"I have expressed my desire, even in the past, to make enough cash to start a business. In my mind now is the acquisition of cows. I want to have at least two cows by next year. I will achieve this by buying and breeding goats and chicken until I have a good number, enough to sell to get cash for a cow. I want to get two dairy cows, this cows I plan to use and get income buy milking them and selling the milk. This will mean that I will also be an active contributor to my family finances."

"In the coming year and beyond, I plan to invest in livestock purchases. Currently, I have six poultry birds and one goat, but my goal is to expand my livestock holdings significantly. By growing their numbers, I will be able to sell some of them and use the proceeds to address pressing needs. This shift to livestock promises to be a good venture for me, especially given the harsh climatic conditions that make farming untenable. I am very grateful for the financial support, which is enabling me to better care for my family."

"With my son having completed his college education, I feel a tremendous sense of relief, particularly regarding our finances. Now, I have the freedom to use my future transfers to achieve other important goals. In the coming year and beyond, I aim to purchase a new bed and mattress. Currently, I sleep on a makeshift bed, which is quite uncomfortable. Having a proper bed and mattress will ensure I get a good night's rest. Additionally, I plan to buy a water tank to store water. This will solve the recurring issue of walking long distances to fetch water for household use. I am incredibly grateful for the financial support I've received so far, which has significantly improved my quality of life."

"I am currently in Form Three, which means I still have one year ahead to complete my secondary school education. Since I want to become a doctor, I need to concentrate on my studies to achieve the best results. Therefore, in the coming year and beyond, I aim to focus intensely on my studies to meet my goals. To achieve this, I plan to use part of my transfers to ensure that I pay my fees on time, so I am not sent home for unpaid school fees. With the remaining income after paying my fees, I will support my younger siblings' education. I am grateful for the financial support, as it has also enabled me to invest in poultry farming, which will help secure my future financially."

"Increasing my sources of income is a top priority for me. I plan to grow my small business selling fish and soap. This support has allowed me to seek new approaches to financial stability and enhance my household’s well-being. Having shouldered the family responsibilities, I believe that expanding these businesses will greatly benefit me. I am confident that once they succeed, I will be able to cover school fees and provide for my family's needs more easily, reducing the strain I have been experiencing."