"Later this year, my main goal is to build a new house because I am frustrated with the leaks in my current dwelling during the rainy season. I’m tired of this issue and feel it’s time for a change. I’m confident this plan will succeed since I have started saving from the monthly transfers for this purpose. With my ongoing efforts, I expect to achieve this goal soon. Once completed, the new house will provide me with full privacy and ample space to store my belongings."

"My entire life, I have always wanted to become a livestock farmer, but I did not know where to start because of a lack of funds until GiveDirectly came and started giving me hope. As time goes by, my dream is becoming even more steadfast, and I am determined to pull it through to fruition. I have always believed that livestock farming will provide a reliable source of livelihood for me and my family in the future, and to achieve this dream, my plan is to continue using a portion of the transfers I receive from GiveDirectly to buy more sheep and add on to the five that I already have, which I bought using my previous transfers. I am hopeful that these sheep will multiply and increase in both number and value, allowing me to eventually trade some of them in the future for a female cow, which will further enhance my wealth as it too will breed and multiply in number. I am confident that both the cows and sheep will become valuable assets, acting as a dependable source of income, ao that when this program comes to an end I will have something sustenable to rely on. Additionally, as the female cow breeds, I will also benefit from its milk, which will provide nutritional value for my family and improve our diet. I am very grateful for this opportunity that GiveDirectly has given us, and I am hopeful that my life will change for the better."

"The condition of my house is quite distressing right now; the dusty floor causes mud to spread everywhere when it rains, and I still end up feeling dusty, especially after sweeping. This is increasingly difficult for me to handle. Therefore, my goal for this year is to cement the entire floor. To achieve this, I have joined a Merry Go Round where I will save $10 from the transfers. I plan to start working on this project by the end of this year. Once the renovation is complete, it will significantly improve my living conditions by eliminating dust and other issues."

"In the coming year, my primary goal is to invest in expanding my business. Since I started the business with my monthly transfers from GiveDirectly, I want it to grow and become more successful. Expanding the business will benefit both my family and my neighbors, reducing the need for them to travel long distances for goods that I currently don't offer. I plan to use part of my transfer to support my family, such as paying my children’s school fees, and the rest will be invested in purchasing additional items for my shop. This strategy will help me generate more profits and save for my children’s future education."

"In the future, I have two main goals: starting a goat-rearing venture and expanding my flock. As the goats multiply, I plan to sell some and reinvest the proceeds into new projects. Additionally, I have a piece of land where I intend to build a rental house. I plan to start this project once my son finishes school later this year, as a significant portion of my money is currently going towards his education. I will use the transfers and some savings from other sources to achieve this goal, with the aim of creating a steady income from the rentals that will help support my family more easily."

"I have many goals on my mind right now, but the most urgent is repairing my house. Recently, I noticed that the walls were unstable, so I took the initiative to start renovating. I’m currently halfway through the process and aim to complete the repairs before the next rainy season. If not addressed soon, the damage could worsen significantly. To achieve this, I plan to use the transfers and sell some of my goats to fund the repairs, as it is an urgent priority. I’m confident that once the work is finished, I won’t have to worry about being left homeless, and it will remain a positive memory even after the organization’s support ends."

"I have a new goal: to build a new house for my family. The current one we are sheltering in is no longer accommodating, and we have been squeezing together with four kids while the others sleep in a separate house. I am currently surviving by taking on menial jobs such as burning and selling charcoal and sometimes selling snacks to make ends meet. It has been hard for me to build the house using my cash alone. Therefore, I plan to use the transfer and my little savings to buy materials bit by bit to come up with a structure. Once I achieve this, I will be a happy mother, finally seeing that my children no longer have to seek shelter elsewhere."

"My business has given me great financial independence. I would never have been a part of a savings group without the transfers and the business as I would be scampering to use the little I get from my husband to pay school fees and feed the family. I look forward to adding much more to the shop and ensure this increases my income. In turn I will be able to buy more goats and cows which for me are an easy way of getting cash when in emergencies."

"I have 6 children, 5 of whom are boys and 1 is a girl. My boys are now all grown and its uncomfortable having them in the same space with myself and my daughter as our house is a two roomed house. My goal is to ensure that this boys have a house of their own. My work as a tailor does not make me much and so I saw it fit to join a village loan and savings group to assist me with the saving. I sacrifice $10 monthly from my transfers to save so that I am able to work on this goal and maybe some time next year the boys will have their own place."

"I am staying in a small one-roomed house with my four children and spouse. Since the roof has developed holes, it leaks seriously when it rains, making the situation unbearable. Due to this, I am planning to build a spacious two-roomed house to accommodate my growing family comfortably, as the current one is too cramped. To achieve this dream, I have been allocating $20 from my transfers every month to buy two iron sheets. I am glad that I have already managed to buy 10 pieces of iron sheets. Once I get the remaining 10 pieces, we can start the building process. Achieving this will make me very happy. After that, I plan to save my transfers and venture into a grocery business, which will help me take care of my children once I finish building my dream house."