"As a mother, I never had the opportunity to attend school during my childhood due to the challenges we faced. Now, I find myself navigating numerous difficulties as I struggle to provide for my eight children by burning and selling charcoal, a labor-intensive job that pays very little. Looking ahead to the upcoming year, my primary focus is to give my children access to quality education. I believe this is the key to breaking the cycle of poverty that has plagued my household for years. To turn this dream into reality, I plan to save a portion of the transfers I receive, around $10 at a time, and invest in goats. As the goats multiply, I will sell some of them to cover my children's school fees more easily. I am confident that this approach will not only ensure my children stay in school but also motivate them, knowing they won’t be sent home regularly for unpaid fees. By having goats as tangible assets, I will have a reliable way to address their educational needs and meet other basic necessities. Achieving this goal would bring me immense peace of mind and fill me with hope for a brighter future for my family."

"I had always struggled to afford a proper sleeping area. For a long time, I slept on the mud floor with a traditional sisal mat. This was very uncomfortable, and I often had sleepless nights because it was cold. I decided to use $160 from the transfer to buy a wooden bed and a mattress. I had also wanted to raise some livestock as an investment for the future, so I used $40 to buy a goat. I spent $111.50 on iron sheets and other materials to renovate my mud house roof because it was old and had been leaking. I used $17 to buy two metal boxes for my mother and me because we needed a place to store our clothes. I spent $45 to buy two bales of maize flour and used the remaining $173 to stock up on food so that it would last my family for at least three months. We had been facing hunger problems due to drought, and this would help us get through the tough times."

"I was relaxing at home when I received the transfer message. I immediately checked the message to confirm if it was the cash transfer I had been anticipating. After confirming that it was for sure the transfer message I was so happy and I jumped out of excitement. I was so happy that I had finally gotten the long awaited money. My first thought was to withdraw the cash and plan on how to fulfill my plans."

"My goal for the coming year and beyond is to focus on investing in livestock. Recently, we experienced heavy rainfall in our area, and the skies have remained cloudy, signaling more rain to come. Encouraged by this, I have started farming again with the hope of having a good harvest. A successful harvest will ensure I have enough food at home, eliminating the need to buy food. This will allow me to redirect the money from my transfers toward purchasing more livestock. I will save a portion of the transfer every month to purchase the livestock. Livestock is a smart investment for me because it offers financial security. In case of an emergency, I can sell some animals to raise money. Increasing the number of livestock will help me build wealth and achieve greater financial stability. I am very happy and deeply grateful for the financial support, which is helping me work toward a more secure and prosperous future."

"My goal for the coming year and beyond is to focus on investing in livestock. Now that I have completed building my house, I can channel the money from my subsequent transfers into purchasing animals. I plan to start with hens and goats because they are affordable and multiply quickly, ensuring a faster return on investment. Livestock will also serve as a financial safety net. In times of need, I can sell some to address urgent expenses. To achieve this goal, I intend to save at least $20 every month, and once I have accumulated enough, I will make my purchases. By investing in and rearing livestock, I am confident I will generate good profits and improve my financial stability. I am incredibly grateful for the financial support, which has empowered me to plan for a brighter and more secure future."

"My primary goal is to focus on keeping livestock, specifically dairy cows, oxen, and chickens. To achieve this, I joined a merry-go-round last year and have been saving $20 each month from the transfers for this purpose. By the end of this year, when it is my turn to receive the cash, I plan to buy these animals. Once I acquire a cow, my family will benefit from fresh milk, which will improve their health. Additionally, I can sell any surplus milk for extra income. The oxen will assist with land preparation, and I plan to rent them out to my neighbors, generating additional revenue. I believe that achieving this important goal will significantly relieve the burden of providing for my family. Establishing a reliable source of income has been a long-time dream of mine, especially since my job offering motorcycle services does not pay well enough to meet my family’s needs. With this new venture, I am confident that life will become more manageable for us."

"The house I currently live in is no longer suitable for me. As an adult, I feel a strong need for my own space and privacy. Additionally, since I am still single, I want to create a better environment for the family I hope to have in the future. My main goal right now is to build a spacious house that I can call my own. To achieve this, I have started purchasing iron sheets with the monthly transfers I receive. So far, I have managed to buy nine sheets, but my target is to have twenty-four sheets to complete my dream house. I am determined to see this goal through and am confident that by next year, I will have achieved it. Having my own house will not only make me proud but will also provide a solid foundation for starting my future family. It will give me a sense of dignity and restore the privacy I currently lack. I am excited and focused on turning this dream into reality."

"Earlier this year, my house collapsed, leaving my family and me without a home. I had to split my children among relatives and neighbors while I slept outside, hoping for a miracle. When I received this transfer, I decided to complete my house, which had remained unfinished even after using earlier transfers to start rebuilding. I spent $450 on building materials for the foundation and pillars, hired laborers, and completed the roof. With the remaining funds, I bought two goats for $8 as an investment since they can breed and provide income in the future. I also spent $20 on nutrition, purchasing maize flour and groceries to ensure my family could have enough to eat."

"I remember the day vividly, as it felt like a miracle. We were having a prayer session at home with our pastor and one of my relatives when my phone started ringing with notifications. When we checked, we confirmed that the transfer had arrived. The room erupted with cheers and ululations as we celebrated. I was overwhelmed with joy because I hadn’t expected the money, and it came at a time when I didn’t even know what I would eat that evening. The relief and gratitude I felt were indescribable."

"Completing my house has been the most significant change in my life. For months, I had been sleeping on my son’s veranda, as his house didn’t have enough space for me. Now, I finally have a home of my own, thanks to the funds I received. This has allowed me to regain my dignity and no longer feel like a burden to my family."