"I have been saving $15 per month for a few months now in a local savings group, and I plan to continue for the coming year and beyond. My goal is to prepare myself financially for when my son joins high school. He is currently in class six, and I believe that my savings will be enough to take him through high school. Additionally, I plan to buy some goats that I can keep and allow them to multiply. I currently have two goats, but I intend to purchase more so that even when the program comes to an end, I will have some assets that I can sell to cater for my needs."

"Currently, I am involved in the charcoal burning business. This work usually takes me far from my family and I always stay for two weeks or more without seeing them. The work is also straineous and needs one to be of good health always. At the moment, my aim is to start a business of buying goats from people and selling them at a higher price. This will not only allow me to spend more time with my family and bond with them but it will also enable me to always have enough rest. The business is also profitable and does not need huge amount of capital to start and run it."

"There's a time a started a video operating business but I had employ someone who helps me run it. This is because the business has not picked well as I earn $6 a month from it. This money cannot even sustain my family's needs for a week let alone paying school fees for my children. Due to this, I am currently spending a good amount from my monthly transfers in the purchase of goats whenever I do not much committments. I am targeting to have a total of 30 goats after which, I will set aside 15 for rearing at home and for the other 15, I will sell them in order to get money that I will use as capital in starting a business. My business will entail buying of livestock from the farmers and selling them at the nearest trading centers. This will be my main source of livelihood."

"I am planning to renovate the roof of my house by replacing the old, dilapidated iron sheets with new ones. The current roof leaks whenever it rains, which has weakened the structure of the house. To alleviate this stress, my priority is to purchase new iron sheets. I have been saving my money and have already acquired 10 pieces so far. My goal is to acquire 28 iron sheets, which will be enough to renovate the entire roof. I am pleased with my progress and believe that I will achieve my goal soon. My main objective is to have a stable house where I can live peacefully with my four children and be free from constant worries whenever it rains."

"My aim is to purchase livestock, particularly goats and chickens so that I can rear them alongside my food kiosk business. I believe that they will provide an additional source of income for me. Currently, I own three goats and more than 18 birds, and my goal is to keep them and allow them to reproduce. I can then sell them to cater for my financial needs. Even when my children advance their education, I will not struggle to raise their fees, as I can comfortably sell the livestock to meet their education expenses. I am also planning to build my own house in the next year or so to live with my two young children. I am currently living in my parent's house despite having my own family."

"This year, my focus is solely on farming. I've decided to channel all my energy into this endeavor because I believe it's the key to securing a stable future for my family. With the unpredictable weather patterns affecting the amount and timing of rainfall, I've chosen to cultivate one acre of land. This size feels manageable and allows me to mitigate some of the risks associated with farming. On this acre of land, I've decided to plant maize and finger millet. These crops are resilient and well-suited to the conditions in my area. To ensure a successful harvest, I'm prepared to irrigate the land if necessary. By carefully tending to my crops, I'm confident that I'll be able to sustain them throughout the season. The income generated from the farm will serve two crucial purposes. Firstly, it will go towards paying the school fees for my daughter. Education is paramount, and I'm determined to provide her with the opportunity to learn and grow. Secondly, the money will help meet the needs of my family, ensuring that we have enough food to eat and basic necessities to sustain us. Farming isn't just a means of livelihood for me; it's a commitment to securing a better future for my loved ones. I'm ready to pour all my efforts into this venture, knowing that the rewards will be worth it in the end. With determination and hard work, I believe that this year will mark the beginning of a brighter tomorrow for my family."

"I am planning to save my transfer to build a new house because my current one is in very bad shape. It is too small and the roof is weak. It was built using palm leaves, which have been leaking and could be easily swept away in case of heavy rain. To achieve this goal, I have joined a merry-go-round where I save $10 every month. I plan to use the savings to buy building materials, starting with iron sheets and building poles. I want to experience the comfort of living in an iron-roofed house after spending most of my life in a thatched house."

"I am currently undergoing medication that requires me to attend frequent check-ups, which is quite costly. In addition to covering the medical expenses, I also have to pay for transportation expenses to get to the appointments. I do not have any income of my own and I am relying on the monthly transfers for my medication. I sometimes get some support from my brothers but it's been limited as they also have their own families to take care of. Due to my condition, I am unable to work and spend most of my time at home. My goal currently is to prioritize my health by attending checkups, taking my medication on time and ensuring that I am eating a balanced diet, as I am hoping for recovery."

"I started a business selling second-hand clothes with my son, and I'm delighted that it's doing well. Right now, the profits from the business have enabled me to pay for my children's fees and meet my basic needs, such as food, with ease. My dream has always been to create a stable source of income so that even when the program comes to an end, I'll be able to meet my basic needs without struggling. My current goal is to expand this business and generate more money from it. With this business, I'll no longer have to engage in casual jobs like fetching and selling firewood, which don't pay well. I hope to change my life and become financially stable through this business."

"I have five children, all of whom are enrolled in different levels of education. My primary focus is to ensure that they remain in school without any risk of being discontinued due to unpaid fees. Failing to pay their fees might hinder their academic journey, so I want them to have a seamless education. Currently, I do not have a source of income to pay for their education, so my hope is on transfers. I plan to use the transfers to educate my children and ensure that they achieve their educational goals. Witnessing their success in their studies is my biggest aspiration as a parent, despite the financial hurdles we face. I believe that this program will be of great help in achieving this goal."