"Job instability! Currently, my second-hand clothes business has not thrived well due to the harsh economic strains in our area. This means in a month, I make a maximum profit of $20, an income that can not fully cater to our household's basic needs. To an extent, I feel being a burden to my husband's efforts of saving for the future of our children. This is because I have to depend on him to provide for most of our needs including food, school fees for the children, and other basics. This has threatened our future life stability and I, therefore, consider a financial crisis as what stands out to be my greatest challenge."

"Currently, I want to make sure that the school fees for my children are paid on time. I wouldn't want them to reach the prior point of dropping out of school. Thank God, I'm currently running a business. In order to avoid financial hardship when the students who are currently in primary school transition to secondary school, my goal is to pay off the existing arrears they owe the school. Once I have done this, I will begin saving $10 each month. They can only be certain of a better future through education. Like any other parent, when I see my kids thrive in life, I will be happy and proud."

"We do not have most home furniture, particularly beds and chairs. I could not afford them because my business doesn't generate good profits, but now that I receive the monthly transfers, I want to buy a mattress and chairs this year. We presently sit on a mat because we lack seats. I also have a mat and some old clothes stretched out on my bed, but it is not comfortable, and every morning when I get up, I do experience aches throughout my body. I'm hoping to save enough money this year and upgrade my sleeping arrangements so that I can have good health and restful sleep in the future. Once I have done that, I will start setting aside money to buy the supplies I'll need to upgrade my roof. The current one is worn out and full of holes, making it uncomfortable to sleep in, particularly during the rainy season when we get rained on. Whenever there is a moon at night, the moonlight that illuminates the house prevents us from getting a good night's sleep. I am aware that I cannot accomplish all of these at once, but I will in two years."

"What a life! For a long time, I have lived in a very depressing situation because we are financially unstable at home. My only son is doing casual jobs in Kilifi as well as acting in charge of a certain church. His daily income goes into catering to his family's basic needs since he has 11 household members. This has left me desperate at home and I live in an unworthy house that is open both at the roof and the walls. Living in fear has devoured me and I am always surviving the cold nights. I have constantly felt to have the ability to change this misery but it has always been in vain. I, therefore, consider financial constraints as my biggest challenge."

"6k one in secondary school 4k Debt of that we borrowed when mu spouse was a life 10k two goats Complsted the construction of the house that I started using the first transfer Food and clothes"

"GiveDirectly does well in that it gives money to the community's poor to improve their living standards. Most people invested money in viable projects because they were trained well. I do not find anything that GiveDirectly did not do well, Everything went smoothy as planned."

"I'm hoping to join a merry-go-round so I can save money. I want to establish a grocery shop using the money I've saved. I will be able to assist my husband in providing for our family's essential requirements, including paying our six children's school expenses."

"I want to continue the fashion and design course I had earlier started but had to quit owing to not having enough money for school supplies. I want to establish my own tailoring business after graduating so that I can help my spouse provide for our basic requirements while also earning an income."

"I spent $290 on purchasing a dairy cow. This is because I used to buy milk daily and it was so costly for me. I depend majorly on small-scale farming at home, The income from this is so small and I was not able to save to purchase a dairy cow. I am so happy because Currently I have enough milk for my family and I have cut the daily cost of buying milk. The money that I would have used to buy milk I used in paying part of the school fees. I spend $200 on paying school fees for my two children in secondary school. They used to be sent home and this was affecting their performance ins school since they would miss some lessons. Currently, they are studying well without being sent home. This has given me peace of mind to do my daily activities at home without getting stressed up like before. The remaining amount of money I spent on food, clothes and household items that we were missing in that home. I am so grateful for the support because GiveDirectly has changed our living standards,"

"We received free cash transfers throughout the area thanks to GiveDirectly's excellent initiative. I have nothing against the company, but I am appreciative of the success I experienced after putting my plans into action."