"While my spouse Kazungu earns $10 a week as a cleaner, I operate a small business and make $1 per day.Our combined income is insufficient to educate our children and provide food for a family of eight. Consequently, the difficulties I am currently facing stem from not having enough money to meet my family's basic needs."

"Lack of reliable source of income is the current challenge I am facing in life. I do casual jobs which are rare to access making approximately $60 per month which caters for food and school fees for the children. Sometimes the children miss classes due to lack of school fees."

"Housing is the challenge I am currently facing in life. My husband and I lives in a two room semi permanent house that has stayed for over 35 years now. The mud walls are now weak and can be brought down by strong winds anytime. It is risk living in this house."

"I own a retail shop and a posho mill in the village, but the revenue from these businesses is inconsistent. One reason for this is that the prolonged drought in the area brought on by climate change has discouraged people from harvesting maize, which has decreased the number of people visiting the posho mill.Furthermore, the majority of customers in my retail store will purchase items on credit rather than paying cash because the majority of the local population does not have a reliable source of income. Due to the lack of revenue from these businesses, it has become increasingly difficult to provide for the majority of my family's basic needs."

"Once this financial aid comes to an end in the future, I want to be in a position where I will have financial security and can totally rely on myself. To achieve this, I want to keep on saving my transfers from GiveDirectly in our local savings group, and once they mature, I will use the money to buy more goats. I am hopeful that these goats will multiply and increase in number and value so that in the future, when I am faced with pressing issues in our family, I may be able to sell them and help my family out. I am glad about this envisioned future that I have, and I am hopeful that I will be able to achieve it so that I may have the financial independence that I have always longed for."

"My house is in a very poor state where the roofing is made of nylon covers, and this is really depressing. I want to improve the roofing from nylon to iron sheets. My plan is therefore to keep saving my transfers in a merry-go-round savings group where we pool funds together so that when it is my turn, I may use the pooled funds to buy the iron sheets and give my house better roofing. Having a better-roofed house will make me very happy, and I am hopeful that this will come true. In addition to improving my home's roofing, I also plan to keep using part of my transfers to buy more chickens and, if possible, goats with hopes that they will multiply and increase in number, and I can then sell them and use the proceeds to buy small cows. These cows will be a great source of income in the future, as once they grow and increase in size and value, I can sell them and use the money to provide for my family."

"I had mentioned before that I wanted to build a new house for my family, as the one we have right now is old and deteriorating and will soon collapse. To achieve this, I intend to use a portion of the transfers I've received and top it up with my earnings from my charcoal-burning hustle and casual jobs. Once the house is complete, I want to start a kiosk business next year using proceeds from my hustles and part of the transfers as well. This business will generate daily income, which will help with our daily family needs. Finally, livestock farming is also a great asset that I have ventured into, and where possible, my plan is to add more of these animals with hopes of them multiplying and increasing in number so that in the future, they will be a great source of income for my family and help in educating my children."

"The transfer has made a big difference in my life, giving me peace of mind. I used $100 to pay for a portion of my children's school fees, allowing them to return to school after their midterm break. Without this payment, they would have had to stay home while their classmates continued studying. This would have worried me, as I would have had to sell two goats from my herd to manage the situation. I am reluctant to do this, especially since my herd has decreased after selling 12 goats to manage the tomato farm. Although the amount I paid was small, it was enough to ensure that the school administration allowed my children to stay until I could harvest my tomatoes at the end of the month and clear the remaining fees as I promised."

"This dream of building a house is far from reached. We took out loans which we used to buy building material but are yet to start the actual construction will take an amount similar to the amount we used for material. I aim to finish paying my loan by October so I am able to take another loan to start construction This will allow us to have a three roomed house to house my wife and our four children."

"Most of siblings left for the city and do not support us financially. My mother as well as my family depends on me for finances. I have the motorcycle running and the shop as well. I would like to add up on this two by going into animal farming. Animal farming is one of the businesses done by most locals in our area. I believe that going into this business will help me a lot in generating income"