"Job insecurity is the biggest challenge I'm encountering. I was unlucky to complete my education due to lack of school fees. This hindered me from securing a good job and I ended up becoming a wine tapper in the village. The job poses several risks such as death and earns me $5 in a day. The amount is not enough to cater for my family needs such as good shelter for my family of 3."

"Poor housing is the biggest challenge I'm currently facing. I reside in a very small deteriorating structure. During rainy seasons it leaks making the situation worse. While I have aspired constructing a better house, my financial constraints prevents me from building a better house because I rely on my small business which gives me an average of $2 in a day."

"Financial constraints is the biggest challenge I'm currently facing. I work as a wine tapper in the village, this job is very dangerous and tiresome because I have to climb numerous coconut trees. The earnings are as little as $5 which is not enough to cater for the needs of my of 7. Due to this challenge my wife , Regina had to relocate to town aiming to contribute an additional income leaving the young children under me."

"In the coming year and beyond, my heartfelt goal is to transform the worn-out roofing of my home into a strong shield against unpredictable weather. The current state of the iron sheets, aged and corroded, leaves my house vulnerable. With a determination fueled by a vision of a safer and more comfortable place, I have embarked on a journey of renovation. The task demands 22 pieces of iron sheets, and while I've managed to replace five, there are still 17 awaiting renewal. To achieve this dream, I've devised a simple plan of saving $10 monthly. With each passing month, I will install a new iron sheet because a piece goes for $10."

"As a single mother of four, my main challenge is food insecurity. Over the past six months, my family has gone to bed hungry more than four times. Unfortunately, we have no assistance from any individual or organization to help us during these difficult times. To make sure my family does not go hungry, I have had to resort to different coping mechanisms, such as charcoal burning and selling gravel. Our lack of food has also affected my son's attendance in school since he is unable to attend school with an empty stomach."

"My greatest challenge has been providing quality education to my four children. I have one in junior primary while the others in secondary school. I am required to pay a total of $438 to Carter for fees every term. My husband and I find it difficult to raise this amount since we also have other needs to be attended to. This has also greatly affected my children's attendance and performance."

"Being a widow with no reliable source of income and a heavy burden of responsibilities especially since I still have to look after my two secondary school-age children makes my situation extremely difficult. I have a small business that makes an average of $15 a month, on top of the occasional jobs that only come up during the rainy seasons. I make too little money overall each month to provide for my family's necessities."

"My main goal is to obtain the best education possible with the monthly stipend from Give Directly. Driven by a strong desire to succeed, I am focused on transcending the educational barriers that have held back previous generations in my family—none of whom had the chance to attend secondary school. Achieving this would not only be a personal victory but also a historic milestone for my family. I am deeply thankful for the transfers I receive, as they are instrumental in helping me pursue and realize this dream."

"Since my husband passed away two years ago, I've shouldered the responsibility of covering our children's school fees, clothing, food, and other essentials. Our house was already in poor condition when he passed, making it difficult to meet all their needs with the limited profits from my charcoal business. With the current increase in prices of essential commodities, the situation has become even more challenging. While I'm thankful that the transfers enabled me to replace the roof, our safety is still at risk due to cracked walls allowing reptiles to enter. My immediate goal is to rebuild the walls, and I plan to allocate $4 each month for purchasing construction materials. I can't save more than that right now because I have other basic needs to address. Hence this is my goal in the coming and beyond."

"Working as a hairstylist in a salon on commission isn't as fulfilling as I hoped because I don't get to retain all my earnings. However, my ultimate aspiration is to run my own salon, where I have autonomy over my business. To realize this dream, I'm committed to diligent work and save. I've decided to allocate $15 from my monthly transfer towards this objective. The support from Give Directly is immensely appreciated; it feels like a beacon of hope shining at the end of a challenging journey. With determination and the assistance of Give Directly, I'm optimistic about turning my dream of owning a salon into a reality. By saving diligently and persevering through challenges, I believe I can achieve financial independence and fulfill my aspirations."