"I am a motorcycle driver who financed a motorbike on credit. Previously, I worked for someone else, which was challenging because I had to pay the owner $4 daily regardless of my earnings. To improve my situation, I decided to acquire a motorbike on credit. I have made several payments and now have only $580 remaining to clear my debt. Thanks to the transfers I received, I was able to make some payments and I am confident that with my determination and hard work, I will pay off the remaining amount. My goal is to provide my children with a better life, ones done with clearing my debt."

"I had just finished my masonry job in the evening and was preparing to leave the construction site when I got a message on my phone. I was very tired and all I needed was a good evening's rest after the day's work. I was hesitant to read the message, but when I finally checked my inbox, I could not hold back the joy that I felt upon realizing that it was an M-Pesa notification. I had received my first transfer from GiveDirectly, and I could not wait to disclose the good news to my wife. I have been grappling with a lack of a better shelter for quite some years, and all I wanted was a new shelter. This was an opportunity for me to accomplish this!"

"My plan for this year is to work hard and complete constructing both my son's house and my own. Having comfortable living spaces is of utmost importance to me, and I plan to use my transfers to purchase the necessary building materials to make this a reality. Once the construction of our new homes is complete, I intend to shift my focus to something that will enable me to generate income in the future. I plan to use part of my transfers to buy chickens and goats, hoping that they will multiply and increase in number and value over time. In the future, I can then sell them to generate income that I can use to support my family's needs, including paying for my children's school fees to enable them to continue their studies without interruption. I am excited about the potential of these plans and am confident that they will positively impact the well-being of my loved ones."

"The roof of my house is leaking, making it uncomfortable to sleep in the house, especially during the rainy season. My plan is therefore to use part of my transfers to gradually buy roofing materials and repair my house so that I may have a warm place free from leaks to sleep in. Additionally, I want to keep on buying goats, also using part of the transfers, so that they may increase in number and value in a way that once this project ends, I may have something to remember and rely on to generate some income when in need by selling them."

"Initially, my plan was to renovate my old house. The poles in my house are rotten, and they need replacement to make them more durable. However, the high expenses associated with renovation led me to re-evaluate my approach, and instead, I have decided to focus on buying more goats using my transfers. I am hopeful that these goats will multiply and increase in number and value over time, providing a steady source of income that I can use to renovate my house in the future. By investing in livestock, I can create a sustainable financial foundation that will allow me to develop my house into a better condition without experiencing much financial strain."

"With my children in secondary school and transitioning to higher education in the near future, my primary goal is to ensure that they continue with their education without any interruptions. Additionally, I plan to balance the transfers I receive from GiveDirectly, save little by little, and buy goats. My hopes are that these will multiply and increase in number and value so that, in the future, I may be able to sell them and use the proceeds to help educate my children and further their studies. These goats will be a great source of income to help my family strive for future success."

"My plans for this coming year and beyond are to make sure that my children, who are in school, continue to receive the education that is required for them to have a successful life in the future. To make this possible, my plan is to keep using some of the transfers I will be receiving from GiveDirectly to buy more goats, hoping that with time they will multiply and increase in number and value so that I may be able to sell them in the future and use the proceeds to pay for my children's education. Additionally, I also intend to use a portion of the proceeds that I will get from selling the goats to start a grocery business. Considering that I am older, I recognize that I am not able to engage in manual labor as easily as I once could, and so this new business will, in turn, help me diversify my income streams and provide a more stable financial foundation for my family."

"I am filled with a sense of accomplishments as I near the final stages of renovating my house,. This project has been a significant undertaking, but I am determined to ensure that my house is not only complete but also built to last. Moving forward, I also intend to use some of my transfers to gradually purchase more building materials to strengthen the foundation of my house by reinforcing the base ensuring that it will be more durable and able to withstand even heavy rains. This will give me the peace of mind that my family's living space will be secure for years to come. Additionally, I plan to continue using some of my transfers to purchase more goats in hopes that they will multiply and increase in number and value over time, allowing me to sell them in the future and use the proceeds to support my family. I am excited to see these plans come to fruition, and I am grateful for the opportunity to use my transfers in a way that will benefit my family in the long run."

"For this coming year and beyond, I intend to continue using my transfers to buy more goats, hoping that they will multiply and increase in number and value. My wife is doing the same too. This will enable us to sell them in the future and pool our proceeds together. Combined with my wife's resources, we will be able to purchase a plot of land and build a rental house, which will provide us with a steady income, reducing our struggles with basic needs in our family. I am optimistic that this plan will come to fruition."

"I am into charcoal selling business and as I continue to manage my transfers and the income from my charcoal business, my primary focus remains on ensuring that my children complete their education and have the means to lead independent lives. I plan to use part of my transfers and business earnings to continue funding their education, guaranteeing that they can complete their studies without interruption. Additionally, to achieve my long held dream of becoming a livestock farmer, I intend to continue investing in goats and chickens using part of my transfers. I am confident that these chickens will multiply and increase in number, allowing me to sell them in the future and use the proceeds to buy more goats. Similarly, I hope that these goats will multiply and increase in number and value, enabling me to trade some for cows and sell others to support my children's education and family needs. Once I have a sufficient number of cows, I plan to sell some to generate funds. With these proceeds, I aim to start a livestock selling business. This venture will involve buying livestock from farmers and selling them in the market, thereby securing a stable financial future for myself and my family."