"This year, my dream is to expand my goat farming by purchasing more goats to supplement my current herd. Goatkeeping is a profitable business, particularly in our region, offering promising returns. I intend to finance this project using the transfers I receive, as I do not have a reliable job due to my sickness. Once I have many goats, I will sell some and build a new house, as the current one is very small and in critical condition. Living in fear of my house collapsing has been a constant worry, so having a stable and spacious home will bring much-needed peace of mind. This plan not only promises financial stability but also a better living environment for my family and me"

"For now, I have two main goals that I'm really focused on. First off, I'm determined to renovate my house, particularly by replacing the old, leaky roof. Dealing with those leaks during rainy seasons has been incredibly stressful, and I just want to put an end to that worry once and for all. It's about making my home a safe and comfortable place for me and my family. Secondly, my deepest desire is to see all my children attend university. I strongly believe that education is the key to their future success and happiness. Achieving these goals won't be easy, but I'm optimistic. With the monthly transfers I receive and the income I earn from my charcoal business, I'm saving diligently. I'm confident that, with perseverance and hard work, I'll be able to accomplish both of these dreams in the coming year and beyond."

"My dream for the coming year and beyond is to enhance our living situation by constructing an additional spacious room in my house. This new room will provide ample space for my two grandchildren, my daughter, and myself, ensuring we all have privacy and comfort under one roof. Another important goal of mine is to secure enough funds to support my children through secondary school and eventually university. Given my current situation without a stable job, these aspirations seem challenging but not impossible. I'm optimistic that with the support of cash transfers and the unwavering assistance of my elder son, who, despite not having a permanent job, has been a pillar of support, I can achieve these dreams. Together, we're working towards a future where my family can thrive in a secure and harmonious environment, filled with opportunities for education and personal growth."

"After completing my secondary education at the end of last year, i got married to Vivian who was already pregnant for me. This meant more responsibility for a jobless 22-year old and I started to feel the pinch when we received the new born 3 months ago. My wife and i have had to contend with 2 meals a day due to lack of a source of income."

"My wife and I parted ways about 3 years ago. Her parents took her back due to pending dowry payment of $200, and left me our 5-year old daugter to raise alone. Without a constant source of income, bringing her up alone has been so taxing emotionally and financially. My challenges heightened when I dislocated my knee from a motorcycle accident 3 months ago. This is worrying because my daughter cannot get all the care and attention she needs."

"House construction is what I have relied on in my life. This is a seasonal work because my customers are not reliable due to poverty in the community. Considering this job, it's not a venture to fully depend on it since its income is unpredictable. This means my family more specifically, the spouse is also forced to engage into other casual jobs like charcoal to supplement my little income in a bad month. This has made us to live a miserable life since sometimes we miss some very basic needs. Thus, the lack of a stable source of income stands out as my biggest challenge."

"My firstborn son has been suffering from chest pains for over 6 years. Though his health has improved, the sickness has been the biggest challenge to our family of 6 because we have spent almost everything on his medication in different hospitals. I have to start afresh looking for something to sustain us."

"School fees for my children is the current challenge I am facing in life. I am a single mother of three and I do casual jobs making approximately $50 per month which caters for food and school fees. I have two children schooling and they have fees arrears of $50 and this has made them miss classes thus dropping in their performances."

"My priority is to ensure my school-going children receive a good education, so I continue to allocate part of my transfers for their schooling. It is also essential to provide them with nutritious meals because a full stomach makes children happy and I intend to achieve this using part of the transfers. Additionally, I plan to use my transfers to expand my livestock, both chickens and goats, and ensure they are well cared for to multiply in number. This investment in livestock will provide a future income source to support my children's education. Ultimately, my children's happiness revolves around having access to food and education, and ensuring these needs are met brings me great joy."

"My dream was to join college and study journalism, but my parents said it was too expensive and they couldn't afford it. So, I changed my plans and chose to pursue something else meaningful to my life. I enrolled in a two-year tailoring training program, which my parents are paying for. My plan is to save some of my transfers so that, after completing my course, I can purchase a sewing machine and other items necessary to start my own tailoring shop. Additionally, I have been saving in a local savings group, intending to use the matured funds to start a vegetable selling business. I have also been buying goats, hoping they will multiply and increase in number so that I can sell them and invest the proceeds in my tailoring business. Having my own business and achieving financial stability will make me happy."