"In the next six months, l expect to have started saving some money to buy furniture since I do not have any comfortable seats in the house. I have very old plastic chairs which are not even enough being that I have a large family."

"Receiving this money means building a new house since the one my family and I currently live in is too old and leaks in water whenever it rains. I will then buy water tanks that will be of great use to me during rainy seasons since i will be able to connect gutters to harvest rain water. Adding one dairy cow to my herd is also part of my plans upon receiving this money"

"I kept the whole of my transfer as savings. I plan to buy a motorcycle by the end of the year. I have a driving license but I have not been using it. The brilliant idea of purchasing a motorcycle came in my mind because I want to have my own business where I can have the flexibility of doing my work in my own way. Currently, I am employed and leave work at 10.00pm which has been risky. My phone was stolen when I was going back home. I would really want a situation where I can organize my work and leave early."

"I have been training myself to save as much as I can for the unforeseeable future which nobody knows nothing about. I always make sure that each month I save some cash in my account so that I can use it to take care of my family's financial needs in the unforeseeable future."

"The biggest hardship I face is poverty. Iam able to produce little from crop farming which is not sustainable enough to cater for the needs of my family members. It therefore means that my family members sleep some days without food in thier stomachs. This I fear may cause malnutrition."

"Inadequate source of finance is my biggest hardship. This is because I do not have enough land that I would grow crops in order to sell and eat some at the same time. When I cultivate on half an acre, it is not sufficient enough for both saleand household consumption."

"The biggest hardship I face is lack of money. My children are studying in makerere univerty business school but I do not have any better source of earning for paying their fees hence they report to school late. This is affecting their studies and they are performing poorly."

"The biggest hardship that I am faced with is lack of oxen. Cultivation season is very challenging to me. Usually, I cultivate late because I have to wait until I can hire oxen. This has always affected my harvest and as such, food shortage. As I speak, I don't have food in the house. I do casual labour to provide for the family. "

"The biggest hardship I face is lack of farm land. Iam placed at fixed with only two gardens to cultivate and they are not productive. What I earn from this land is not enough to enable me plan well within the family needs. My family priorities are some times forgone in favour of others."

"The biggest hardship that I am faced with is lack of money. I do not have any income generating activity so providing food and any other needs of the family is not easy. I would have loved to do a boda-boda business but I don't have a motorcycle. In my locality, motorcycles are very few and yet the demand is high. Some times, I have tried to borrow one but it doesn't last long with me meaning I have to stay back home. Life is not easy. "