"In the upcoming year and beyond, my main goal is to invest in goat farming and to complete the construction of my mother's house. It is unfortunate that she was left without shelter after collapsing of her house due to heavy rains. I intend to allocate part of my savings group transfers to help her purchase materials and ensure that the building work is completed. Once we have finished this project, my plan is to focus on acquiring goats. I believe that this project is manageable and profitable since goats multiply quickly. Additionally, it will serve as a financial security measure for my future, providing support in case of any monetary challenges I may face."

"In the coming year and beyond, I plan to use my savings to purchase a dairy cow. Owning this cow will ensure a steady supply of milk that I can sell for income. Not only will selling the milk provide cash, but having milk will also improve the health of my children, myself, and other family members, as we will no longer have to drink black tea due to the lack of funds to buy milk. With the extra money from selling milk, I’ll be able to pay my bills and my children’s school fees without struggle, relieving me from financial stress and allowing me to support my family with ease. This simple yet impactful step will lead to financial stability and a better future for my family. I’m excited about the potential this opportunity holds, and I’m determined to make the most of it."

"In the coming year and beyond, I have the responsibility of paying fees for my two children in secondary school. Since I do not have a reliable source of income, I plan to invest my transfers in initiatives that will generate income to cover their education expenses. As a member of a savings group, I am accumulating money to buy goats, which is my primary investment goal for the coming year. In addition to investing in goat keeping, paying school fees is a priority because I want my children to stay in school without interruption. I will continue to divide my transfers between savings and paying school fees, as I have been doing. These transfers have been of great help to me and my family."

"My daughters Naomy and Ruth performed well in Kenya certificate of primary education examination and joined Tuluk secondary and Yatya secondary school in January this year. This came with mixed feelings, I am happy that they are on the right track to chase their dreams while on the other hand I am stressed up on how I will manage to pay for their education. I rely on casual jobs to earn a living and support my family. Casual jobs pay $3 a day which is not enough to meet our ends. It has made it difficult for me to pay school fees for my daughters at the same time to put food on the table. Sometimes I go to bed without food which is heartbreaking."

"My goal is to build a larger and better home for my family. Currently, we live in a two-room house made of sand, which often needs repairs when it rains. I aspire to build a big stone house that will provide a secure and comfortable home for my loved ones. I have already begun the construction process, but it has stalled due to financial constraints. I am grateful to GiveDirectly because with their support, I will be able to complete our new home and ensure my family has a safe and stable place to live."

"I currently live in a small house that is inadequate for my family. It's a two-room structure that is small and on the verge of collapsing. My goal is to build a spacious two-room house that will comfortably accommodate my family and provide us with enough space. I am part of a merry-go-round savings group, and when it's my turn to receive funds, I plan to start my house construction project. Additionally, I will save a portion of my income from selling vegetables to villagers towards this goal of constructing my house. This will create a better living environment for my family and it will bring happiness to my family and provide us with a greater sense of belonging and security."

"I am a single mother and the sole provider for my family. Currently, I make ends meet by charcoal burning and selling, but I also struggle with chest pain that limits my ability to work well. My goal is to start a vegetable selling business where I can provide for my family more steadily. With this business, I aim to sell vegetables to my fellow villagers and secure a stable income. This will enable me to pay my children's school fees without difficulty, ensuring they receive a good education and have the opportunity to achieve their life goals. I am determined to prevent them from being sent home from school and to help shape a bright future for them."

"Ten years ago, we lost our mother who was the sole breadwinner of the family. Our father took full responsibility until the year 2021 when he chose to have another family and left us in limbo. I had just completed my secondary school education, the situation forced me to take charge as the guardian of the family. This marked the beginning of the unending financial struggle. My sister Yvonne had just joined Osen secondary school and I understood the hard task of paying school fees. It is even worse considering that I do not have a stable source of income. I am a casual labourer earning about $3 a day. This makes my situation even more difficult, a week ago my sister reported back to the school after staying home for a long time. She had been sent back home to fetch school fees arrears."

"My primary goal is to create a comfortable living space for my sons. Recently, I found immense joy in purchasing a mattress and bed for them. However, their current small house has collapsed due to the heavy rain and it's not giving me good sleep. It had an old, broken roof. Right now, I am in the process of buying metal sheets and storing them at home until I have enough sheets and necessary materials to start constructing a new home for my boys."

"My main goal is to ensure my children receive a good education. Currently, I have six goats, and I believe investing in them is wise because they multiply easily and can be sold when needed to meet my family's needs. By investing in goats, I hope to have a financial safety net so that when my children face challenges, I can sell the goats to cover their school fees."