"In my life, receiving money was a blessing. This is because I knew the help would go a long way toward changing my life. I am a widow relying on subsistence farming for a living with six children to care for. When I received my transfer, I considered purchasing another parcel of land to supplement the one I had. As a result, I spent $350. I had then paid $120 in school fees for my children. I am happy and relieved that we have an extra piece of land that can be used as an asset as well as for farming. This was not an easy task before because I was the sole breadwinner with lots of financial obligations."

"In the coming year and beyond, I plan to buy livestock. My greatest plan is to buy livestock (chicken and goats), rear them till they reach a certain stage and look for a market, I would be doing this on a continuous basis; I will be buying as I also sell and I believe that this type of project would generate a good income to help cater for my family. To achieve this, I plan to start saving a portion of my transfers on a monthly basis so that at the end of a certain period, I would have enough money to start the project."

"In the entire village, I have realized that I am the one who owns a sewing machine, so in the next coming years, my greatest plan is to have additional sewing machines, expand my current working place and have people equipped with the tailoring skills. I will achieve this by expanding my livestock-rearing project by buying more goats and selling them when they reach a certain stage to enable me get enough money to buy the machines."

"Having the capacity to regularly put food on the table and keep my three children in school is something that I have always yearned for. Unfortunately, the little earnings I have been making from the vegetable-selling business, barely keep my family fed throughout the week. Although my son also actively contributes to the household needs, the casual jobs in house construction that he hugely relies on hardly come by. Therefore, regardless of the financial constraints, I plan to start saving at least $5 every month. I believe that these savings will help alleviate some of the hardships in the future."

"I have been living in an old house. Its roofing is made up of old iron and rusty sheets. For this year, my main goal is to repair my house roofing. I am, therefore, looking forward to saving some cash in the merry-go-round scheme to acquire new iron sheets by the end of the year. I am confident that if I accomplish that, it will look better and newer and last longer. It is currently unstable and vulnerable to collapse in the event of severe rain. I also aim to spend the rest of the transfers to pay off school fees for my four school-going children. I shall be a delighted mother to see them succeed in their academic pursuit."

"Since I got enrolled in the program, my focus has been to pay my school fees so that I can have ample time in school to focus on my study. However, apart from paying off all the accumulated fee areas with part of the GD transfers, I have developed a goal of saving towards raising livestock. Livestock keeping is a viable investment because they demand less attention. Once they grow, mature up, and increase in number, I shall sell some to raise money for other personal development, such as diversifying farming practices, livestock keeping, and crop farming."

"My greatest challenge is lack of income.We just do casual labour with my husband to earn a living.We now very old that even the energy we have cannot hold us to doing casual labour like we did when we were abit younger.The other big problem is the place we live in now,when it rains ,the water keeps flooding and every night in the rainy season, we are frightened that the landslide will take me and my husband.My husband was diagnosed with Hernia so he cannot even walk long distances and do casual work like then yet there is no money to aid in the medication process . Altogether, we are living here as paupers.The crops in the garden cannot yield much because it has become a water channel especially when it rains."

"The challenge I have had is sickness .My wife has severe ulcers that makes me worry forexample getting medication is so expensive. she is always down and yet she is my helper especially when it come sto taking care of the big family. I have difficulty in getting fees for my children, especially those who in school.I have no income to sustain them fully in school."

"I hope to continue making farms to help my children that are in school."

"I hope to build my own house in the coming year."