"I am a father of five children who does not have any job or business to generate income, and currently, I do not have a permanent home but instead live in an open makeshift structure. My children depend entirely on my late mother's house for shelter, while I am living in a makeshift structure. It has always been my intention to build a proper house for myself, and I plan to use a portion of my transfers to gradually buy building materials to make this dream a reality. In addition to the challenge of finding a stable home, we are also facing hunger. To address this, I intend to allocate part of my transfers to purchase food for my family, ensuring that we do not go hungry during these difficult times. I am truly grateful for these transfers, as they have provided me with support when I needed it most. Without this assistance, I honestly do not know what I would have done. My hope is to create a better future for my children, where we can have a safe and secure place to call home."

"As a male adult, living in the same house as my mother has always been awkward to me. I have always dreamed of the day when I will finally venture out on my own and build a house for myself. This year, I have made it my mission to make sure that I have built my own house, a goal that will not only provide me with the privacy I desire but also the respect and pride that comes with being a man who has achieved this milestone. To make this dream a reality, I plan to utilize my transfers to continue purchasing building materials. With each transfer, I will invest in the necessary supplies to bring my house to completion. I am very happy about the prospect of moving into my own house and the sense of accomplishment that will come with it. Once I have successfully built my own home, I intend to allocate a portion of my future transfers to acquire goats. My hope is that these animals will multiply and increase in number and value over time, providing me with a reliable source of income and a safety net for my future needs."

"This year, there were no rains but prolonged scotching sun and strong winds which led to drought leaving us without any food to harvest in our farms forcing us to buy food using the transfers that I receive. My plan for this year is to continue using a portion of the transfers I receive from GiveDirectly to continue buying food until the rains come and we get good harvests from our farms. This will ensure that my son and I do not go hungry during these challenging times. Moreover, I am determined to grow the grocery-selling kiosk that I started with my son's assistance. My goal is to expand the business and increase its revenue potential. That way, once the GiveDirectly program comes to an end, I will have a reliable source of income to depend on. To achieve this, I intend to allocate a portion of my upcoming transfers to continuously add to the kiosk's stock and expand its capital base. By investing in the growth of this business, I am confident that it will thrive and become a valuable asset in my life in the years to come. I am hopeful that this strategic investment will pay off and provide a sustainable solution to our current food insecurity and financial challenges. With hard work, dedication, and the continued support of my son, I am determined to make the kiosk a success story."

"My primary goal for the upcoming year and beyond is to save more money from the monthly transfers I receive to buy livestock, particularly goats. This investment will supplement my current earnings from selling charcoal in the village. I am deeply grateful for the financial support I've received so far, as it has greatly improved my quality of life. I am confident that achieving this goal will lead to a stable and prosperous future for myself and my family. Another goal is to purchase new bedding, such as a mattress, as the one I currently use is worn out and has been causing me sleepless and painful nights. I believe that with my monthly savings, this dream will soon be within reach, and I will no longer have to worry about the condition of my bedding, which will contribute to better health and comfort."

"I have a significant goal that I want to accomplish by early next year. After taking my secondary school exams last year, my parents couldn't afford to pay for my college education. I had to find a way to support myself, so I became a domestic worker. The salary is very low, but my aim is to earn enough money to help my mother raise my sibling. To achieve this, I've decided to save $2,000 each month from the transfers and return to school. I believe that with the support of the transfers and some help from my father, I will be able to attend college. My hope is to graduate, secure a good job, and support my family back home."

"Being a widow and the sole caretaker of my children has always been challenging. I've long dreamed of renovating my house by replacing the mud walls, which are full of holes and let in the wind, making nights cold, with durable building stones. This renovation will enhance our home's safety and stability and ensure its longevity for years to come. By investing in these improvements, I am prioritizing my family's security and comfort. Since I am not currently financially stable, I plan to use the monthly transfers I receive and my small savings from selling wood to make this dream a reality."

"I am a widow, one of the challenges I am currently facing is School Fees. My children are in college and A levels respectively. I have to make sure they are in school without fail making me do odd jobs just to make them comfortable. Their fee areas are accumulating by day, making me have to work extra harder to meet their needs. The other challenge I am facing is Food Insecurity. Being able to put food on the table for my Kids has become a burden. As a mother I am taking a day at a time."

"I am now a full fledged owner of my Motorcycle. I have now finished making payments for my motorcycle which ensures that now my earnings will be mine. My wife were also jobless and I was also able to start for her a small grocery stall selling cooked and raw food. Now that I will no longer be making payments for this motorcycle I plan to divert my income to expand her stall so she is able to earn more from it. I also want to buy some few animals to be an emergency fund for us."

"Life is too hard at the moment due to the financial instability and drought. Our area is experiencing seasonal rains that make my farm unproductive. Although I have water at home, I can not use it for farming because I fear the burden of paying the water bills monthly. This has left me with a lot of stress, a situation that has devoured my happiness."

"I have been having a life ambition to own a poultry farm but invain. Raising a capital to start the poultry farm has been a challenge to me. I am a single mother with three children. Meeting the needs of my family plus payment of school fees for my children has infringed my ambition to start and own a poultry farm. my elder son is in form four this year, and I believe by next year will be joining university. . I am really stuck. Am seeing my poultry farm as an illusion."