"I have a debt of $500, my husband died sometime this month and we borrowed money towards funeral expenses, the owners of the money want their money back and I am wondering what to give them.I am so stressed, I hardly sleep. My life has turned for the worse, life has been unkind to me.I sold the only cow I had to meet the medical expenses. We used a lot of money towards his medication , he had been wasted by cancer and had been undergoing chemotherapy."

"At the moment we are experiencing some rainfall and it is ideal for planting. I had already prepared the land ready for planting but I have not been able to afford farm inputs such as fertilizers, seedlings, and pesticides to enable me to proceed with the planting. It worries me a lot because I am a person of little means and I am afraid the planting season will elapse before I can plant potatoes for consumption and for sale.It gives me sleepless nights that my land is lying idle at the moment."

"I was pricked by a poisonous thorn recently and it made my leg to swell. This has curtailed my movement, I hardly move because of the pain. I went to Kapkwen Dispensary where I was attended to, I am still recuperating at home though the swelling is still there. I cannot engaged fully in my household chores at the moment.It rained last week and it was a perfect time to plant food crops in my farm, It was not possible for me to engage in farming because I was indisposed and I had no money to hire casual labour to do on my behalf. It worries me a lot since the rain has stopped and I have not planted like my neighbours, if it doesn't rain soon I will be food insecure in the future."

"I have been longing to do a hairdressing course. I believe it will help me to acquire skills that can help me in life. With it, I can start a salon that can be a good source of income for me. In addition, I have a goal of boosting my grocery business. I had started it earlier, but it collapsed because I had a lot of needs. I, therefore, spent all my savings to take my four siblings to school when schools re-opened. I felt it wise to do so because we are orphans, and my widowed mother had no income hence she was constantly struggling to raise fees for them. I am hopeful that when I start it again, it will be able to help us so much."

"Payment of school fees is the main challenge that we are currently facing. We have two children Deborah and Abigail in high school that we have been paying school fees amounting to $550 per annum. I have a small vegetable selling business here in the village and it earns me about $5 a week which all goes to food needs of the family. My husband John is now left to carry all the burden involving school fees and he earns a salary of $30 a month which is not enough to pay all the school fees even if we sacrifice his salary wholly for a year. We have therefore been accumulating debts and our children had been suspended from school some time last month and this really discouraged our efforts because we felt so hopeless. The teachers were threatening to deny them end year exams because of the arrears. We were lucky anyway because we negotiated and they allowed them to sit their end year exams with a promise to clear all the arrears at the beginning of the year."