"My main goal for this year and the coming years is to expand my livestock base to secure a future financial stream of income. To achieve this, I plan to continue using a portion of my transfers to buy more chicken and save another portion in our local savings group. Once the savings mature, I will use them to buy goats. I also hope the chicken that I will buy will multiply, increasing in number and value, so that I can sell them to buy more goats. As the goats increase in number and value, I am also planning to trade them in the future for male and female cows. Over time, my goal is to own several cows and goats, allowing me to sell them when needed to support my family and my children's education, especially when this project comes to an end."

"In the coming year and beyond, my primary focus is to invest in cattle rearing. Owning a cow is a great idea because it provides a significant source of income, which can be used for meaningful projects. I am pleased to share that I have already purchased a male cow with my previous savings. My goal now is to buy a female cow, as this will allow me to have a steady supply of milk and also benefit from the cow’s ability to reproduce. I enjoy rearing cows because they are relatively easy to manage and not overly expensive to maintain. I am truly grateful to GiveDirectly for enabling us to form a savings group, or "chama," which helps us save and share ideas that contribute to community development."

"My current house has mud walls, and despite my ongoing efforts to maintain it, the persistent rains have made it clear that frequent repairs are both challenging and costly. I’ve always wished to provide a stable and secure house for my family, which is why I’ve decided to save my transfers and begin building a new, more durable three-roomed house with a verandah. This decision fills me with optimism and excitement, knowing that this new permanent house will not only offer shelter but also comfort and stability for my loved ones. It’s a significant step toward a brighter future, and I’m eager to see my family thrive in our new house. To achieve this, I plan to save diligently, not only from my transfers but also from the profits of my broiler chicken business. I’ve also opened a bank account specifically to save for this goal. With careful planning and perseverance, I’m confident that we will soon enjoy the security and comfort of our new house."

"My goal in the coming year and beyond is to purchase a mattress. After successfully buying a wooden bed, I now want to get a mattress to improve my comfort. For a long time, I have been sleeping on the bare, uncarpeted floor on top of a sack, which has led to severe back pains and discomfort. To achieve this goal, I plan to save a portion of my transfers next month and use it to purchase the mattress. I am appreciative of the financial support that is helping me achieve my set goals in life."

"My goal in the coming year and beyond is to use my subsequent transfers to purchase livestock, particularly goats. I believe that rearing livestock can lead me to financial freedom, as goats have the ability to multiply quickly. This will allow me to grow my herd and eventually sell some in the future to generate income. With farming becoming increasingly unreliable due to harsh climatic conditions, I see livestock rearing as a more dependable path to financial stability. I am confident that this approach will help secure my financial future, even beyond the five years of financial support. I am truly appreciative of the financial assistance, which is helping me improve my life and work towards my goals."

"My house was partially destroyed by floods. Although some materials were salvageable, the house was in a poor state. Before receiving the transfers, we had lived in a temporary tent outside our compound for a month because we had no other option. Once I received the money, my priority was to secure better shelter for my family. I spent $40 on demolishing the damaged house and building a one-roomed, muddy-walled house where we now live. I’m grateful to GiveDirectly for this support. In addition to the house, I had lost all my maize crops to the floods at a farm; I was expecting more than 20 bags of maize. My farm was submerged, and water is still lying on it. With food being essential, obtaining it became almost a nightmare. My wife and I worked hard through charcoal production and casual jobs to meet the needs of our three children. I used part of the transfer to buy enough food, spending a total of $64 to ensure we had something to put on the table. Furthermore, most of our clothes were also destroyed in the floods, so I spent $60 to buy new clothes for everyone in my household. To ensure sustainability, I invested $13 in preparing and planting a kitchen garden with black nightshade. We have already started harvesting and selling from the garden, earning about $15 so far, which has helped with our daily needs."

"I was at home doing housework when I heard a message notification. It confirmed that I had received money from a name I didn’t recognize. At first, my husband and I thought it might be a mistake, but the amount matched what we were promised by GiveDirectly. We then confirmed with our neighbors that our suspicion was correct; we had indeed received the money from GiveDirectly. We were overjoyed. Thank you, GiveDirectly!"

"As I returned home from fencing my farm, I unlocked my phone, which I had left charging, and saw that I had received money from GiveDirectly. I felt a surge of happiness and immediately told my wife. She was thrilled and knew that we would be able to fulfill the plans we had. Thank you, GiveDirectly, for keeping your promise."

"We have two children in high school, a girl and a boy—one in boarding school and the other in day school. Their fee arrears had accumulated to $160. When we received the transfer, we were delighted to reduce their arrears by $50. We sent them back to school with only $30 between them and promised to pay the remaining balance later, though raising the funds was challenging since I rely on charcoal and my husband on fishing, which limits our income. Additionally, recently floods destroyed our household items, including utensils, clothes, and mattresses. With the transfer, we spent about $70 to buy a mattress, some clothes, and utensils. Relocating to a new temporary house felt like starting life from scratch, and food was no exception. We spent $60 on food, including a variety of items like maize, beans, rice, and others. For our young children, milk, which had been a special treat for them as they rarely get it, was especially enjoyed this time. Thank you, GiveDirectly."

"The moment I received my first transfer was one I'll never forget. It was a Sunday, and I had just come back from church with my neighbor. As we were walking home, a message notification came through our phones. We were both overjoyed to discover that we had both received the transfer, and we felt that this was truly a blessing from God and a special coincidence, especially considering the timing. My first thought was of my children—I could finally build them a proper house. I am very thankful to GiveDirectly."