"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."

"In the coming year and beyond, I want to build my dream house. My family, which includes my three children, currently lives in a one-roomed house. Due to the lack of space and privacy, I plan to build a more spacious two-roomed house. This will provide us with more room and privacy. To achieve this, I plan to use part of my transfers to gradually buy iron sheets and other building materials. Once I have acquired the necessary materials, I will start the construction work. My initial goal was to invest in goat keeping, and I am glad to say that I now have six goats. I will pause my investment in goat keeping to focus on accumulating resources for building my dream house. I am grateful for these transfers, as they have significantly improved my life and helped me progress from one level to another."

"As I strolled home from church, enjoying the late afternoon sun at around 4 PM, I felt a buzz in my pocket. Pulling out my phone, I read a message confirming the arrival of the first transfer of $550. There was an instant surge of joy within me as I realized that the organization had kept its promise. My thoughts immediately turned to my unfinished house, which had been a constant source of worry for me."

"As I strolled home from church, enjoying the late afternoon sun at around 4 PM, I felt a buzz in my pocket. Pulling out my phone, I read a message confirming the arrival of the first transfer of $550. There was an instant surge of joy within me as I realized that the organization had kept its promise. My thoughts immediately turned to my unfinished house, which had been a constant source of worry for me."

"My goal now is to increase my animals. A week ago one of my goats got a bad illness and died, it was expectant and so I lost the goat and its kid. I had banked on them for a project but this loss hit me badly. I am still grieving this loss. I have now learnt it is necessary to take care of my animals and use the right medication to ensure the numbers do not go down. My plan is to find better ways to keep all my animals in good health as I buy medicine and pay the doctor to come see them as I also buy some more animals."

"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."

"Upon receiving the first transfer amounting to $550, I immediately set out to improve my family's living conditions. The priority was paying $90 in school fees for my two children in primary school. Education is crucial, and I wanted to ensure they continue learning without interruptions. I also decided to build a new two-room mud wall house, which cost me $278. The old house was collapsing, and renovating it would have been more expensive. With the new house, my family has a safer and more stable place to live. In addition to these essential expenses, I spent $67 on food for my family. This was important to ensure we had enough to eat and could focus on other aspects of our lives. Lastly, I bought a new bed and mattress for $115. Before this, I slept on a small traditional bed, which was uncomfortable and left me waking up tired. Now, with a modern standard bed, I sleep well and wake up refreshed, ready to take on the day's challenges. These improvements have greatly enhanced our quality of life, and I am grateful for the support that made them possible."