"In the coming years, I aspire to transform my humble mud-wall house into a stronghold of strength and resilience. With unwavering determination, I envision erecting strong pillars and a skating base encircling my house, fortifying it against the fierce winds that occasionally strike our region. Each month, I faithfully set aside $10, a small but steadfast contribution towards my dream. By December 2024, armed with my savings, I will embark on the journey to turn this vision into reality. Through perseverance and prudent planning, I am determined to create a shelter that not only withstands the trials of nature but stands as a testament to the power of determination and the beauty of dreams."

"In the coming year and beyond, my vision is to establish myself as a successful livestock farmer. After learning about the reliability and resilience of goat farming in our region compared to traditional cow and crop farming, I set my sights on building a thriving goat farm. To turn this dream into reality, I have taken proactive steps, such as joining a merry-go-round saving group with five others who are beneficiaries of the GiveDirectly program, where we will contribute $20 each month. By December 2024, I'll have accumulated enough funds to invest in more goats, laying the foundation for my livestock farming venture. This journey fills me with excitement and determination as I pursue a livelihood that aligns with the natural conditions of our area and promises greater stability and prosperity for my future."

"In the coming year and beyond, my heart is set on becoming a successful livestock farmer, specializing in raising goats. Goats, with their low maintenance requirements and ease of acquisition, present an ideal opportunity for me. Their popularity in the market ensures a steady demand and promising returns. To realize this dream, I've committed to saving $5 each month starting today, allocating the rest of my funds towards essential expenses like medication and food. With determination and prudent planning, I aim to build a thriving goat farming enterprise, fostering just economic stability."

"A reliable source of income is the challenge I am currently facing in life. My husband and I do casual jobs making approximately $ 40 per month which caters for food and school fees. Sometimes it can take us even a month without securing any job. I am living in an extended family piece of land and I feel like a squatter here. I had the desire to buy my own piece of land but due to lack of funds I have not managed."

"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."