"The current structure that we are living in is in a very bad state and on the verge of collapsing, which troubles me every day. In the coming months, my main focus will be on renovating my house, as it is a necessity. To achieve this, my plan is to keep on saving a portion of my transfers in our savings group so that when I receive my accumulated funds from the savings group, I may use them to buy building materials and do the necessary repairs needed for the house. The thought of my loved ones being at risk due to the deteriorating condition of our house puts a lot of weight on me and makes me very sad and full of stress. I am hopeful that I will manage to renovate the house and have my loved ones in a safe space. Once the renovation is complete, I expect to feel a deep sense of relief and peace of mind. Knowing that my family will have a safe and stable place to live brings me immense joy."

"I am very grateful for the financial help that I have been receiving from GiveDirectly. With a solid strategy in place, I have been able to save almost all my previous transfers and managed to enroll myself in a technical college to pursue a certificate in Automotive Engineering. This milestone has been such a great blessing in my life, and I thank God for this opportunity. My plan is to therefore continue using my future transfers to pay for my school fees, as there is no one else who can support my education. By the end of this course, i.e., March 2025, I am hopeful that I will be able to secure a job that will allow me to take care of myself and elevate my circumstances to become self-sustainable. I am hopeful that I will also be able to support my younger siblings so that they too can achieve their dreams and be self-sustainable. This opportunity from GiveDirectly has been life-changing, as I never imagined I would reach this point in my life. I am determined to make the most of it and build a better future for myself and my family."

"Becoming an entrepreneur has always been my dream, and I intend to venture into the Mobile Money Agency business. To make this come true, I decided to use different strategies. One is i used my previous transfers to buy goats and chicken so that they would multiply and increase in number and value so that by the end of the year I may be able to sell them and put the proceeds into my business startup. Another strategy is that I have been saving another portion of my transfers in a savings account. My plan for this year is to continue saving a portion of my transfers in my savings account so that by the end of the year I may use the saved money and the proceeds from the sale of the livestock to start the business. My dream is for the business to grow in value so that in the future, once the program comes to an end, I may have something to rely on that will sustain me and also enable me to help take care of my family."

"Currently, our one-room grass-thatched house feels cramped with nine children, causing some of them to sleep at their grandmother's. To address this, my spouse and I have decided to start saving diligently towards building a better house. We envision a spacious, comfortable house where all of us can thrive together. It's more than just having a house; it's about creating a condusive living enviroment, where our family bonds can grow stronger. Starting in January, I plan to use my share of the savings strictly to buy iron sheets. Our goal is to build a two-roomed house that will better accommodate our family and provide a more secure and comfortable living environment. With determination and teamwork, we are committed to making this vision a reality."

"I currently live in a one-room grass-thatched house with a verandah. During rainy seasons, the house leaks badly, which creates significant problems. To improve my living conditions, I have been buying iron sheets with the goal of building a more durable and well-roofed home. The financial support I receive through transfers has been crucial in helping me pursue this goal, and I am confident that I will achieve my dream of a better house with this assistance. Additionally, I am dedicated to providing my children with the best education possible to ensure they are well-prepared for their future. I am hopeful that I will reach my goals before the transfers end. As a casual laborer with six children, life has been challenging, especially with the recent prolonged drought that has left us unable to work on the farms. This harsh weather has forced us to remain in these poor living conditions. During the rainy season, I often take my children to stay with their grandmother while I endure these difficult circumstances. Despite these challenges, I am excited about starting construction soon and am hopeful that one day I will be able to move into a much better house."

"I currently live in a two-room house, and with my family growing, I need an additional room for greater comfort and privacy. Adding this extra room will provide my girls with the privacy they need. My main goal for the coming year is to expand our house to three rooms, and I am diligently saving through my savings group to make this happen. Once the house expansion is complete, my next priority will be to build a shed for the chickens. I aim to increase their numbers and generate extra income from them. Eventually, I plan to expand my livestock farming by selling the chickens to invest in goats, with the long-term goal of purchasing cows. These efforts will not only help secure our financial stability but also fulfill my dream of providing a comfortable life for my family."

"As an elderly widow, my goal is to continue purchasing goats so that, in the future, I can build up a larger herd. I plan to use the incoming transfers to buy more goats, which will be especially helpful when the program ends. This will also provide relief to my son, who has been supporting me despite his low income. Additionally, I hope to support my grandchildren with their education, which has been a constant challenge and has kept them at home. I am already working on this project, and with the help of the remaining transfers, I am confident that I will soon achieve this goal."

"I have one simple goal: to renovate my house, which is currently in poor condition and on the verge of collapse. One of its rooms is wide open after it collapsed a few days ago. I have been worried that this will affect the whole house and cause it to collapse since it is very weak. I am planning to start saving soon for this purpose, and I am certain that I will soon be able to buy the materials needed for the renovation. Once I achieve this, I will no longer live in worry or fear of being left homeless or having my property damaged. By early next year, I trust that I will have started this project as I will have saved enough resources for this matter."

"By the end of this year, probably in November, I have a goal to finish building my house, which will make me glad and thankful once I achieve it. The house is now halfway complete, and with the incoming transfers, I am sure I will soon complete it once I acquire the remaining materials. For now, I have been seeking shelter at my son's or at one of my mother-in-law's houses, which I feel is not right for me, according to our customs. Therefore, I trust that once I complete this house and move in, it will earn me some pride, respect, and self-esteem. I never thought that this could be accomplished, as I had lost hope in life since I have no one I can depend on for now."

"I have one important goal in my life: to save enough money to buy daily meals for my mother and me. In the past, we often had to survive on just one meal a day or sometimes go without, which made me feel like I had failed my mother, especially since she was ill and needed nutritious food. With the incoming transfers, I plan to carefully budget so that we can eat well while saving enough to ensure our food supply doesn't run out. This approach will help keep both of us healthy and prevent us from going hungry as we did before. Additionally, staying well-nourished will make me stronger, allowing me to look for work and support my mother even better."