"The biggest hardship I am facing in my life is the money I awe some one. I borrowed about 300.000ugx and I do not have a way of paying back yet the owner needs money urgently. I borrowed it in February 2019."

"The biggest hardship I have faced in my life is when my wife had just conceived. She was so sickly yet I did not have enough money for treatment. Stress was soo mush that I even developed ulcers."

"Receiving this money means I will be able to contruct an iron roofed house. This is because the thatch house I am sleeping in right now has become expensive to maintain due to limited availability of thatching grass. If I realise some balance, I will buy two cows for my children. "

"Now that it's the rainy season, I can not stop worrying about my house that is built of mostly mud. It has almost become a tradition that every time it rains I have to do repairs which has become costly and time consuming. After consulting with my husband, we decided that we are going to spend our transfers building a more permanent house made of bricks and iron sheets. Since all our children are grown up, a one bedroom house is just enough for us. "

"I have three kids in public primary school now and it is my hope and plan that they will soon transform to a private primary school. Having known the easy way to pick on projects, we are motivated and sure that all shall go well when the time comes. This is one of the goals that we have a household and we hope to see it come through in the next six months after completion of the construction of the new house in our household."

"I expect my life to change to be better in the next six months because I will have accomplished my goals. I will have a decent home. I will also be having a dairy cow. The money that I would have used to buy milk with will be used in other ways as well as I will, in turn, get some additional income from the sale of milk. This will make my entire family live good and healthy. We will no longer strain so hard doing strenuous jobs to earn a living"

"I expect my life to change in the next six months in that I want to save money from my business to buy a dairy cow. When the cow reproduces, I will have milk for my family consumption and sell the rest to raise an income to meet my family needs. I will also be able to sell the calf in case I have a family emergency which I cannot solve on my own."

"The biggest hardship I have faced in my life is lack of money to sustain my family. I am forced to do casual labouring in order to get some money to buy my children food but its not easy because I am payed little money and attimes going without money."

"My main intention is to build a permanent house. That I because I stay in a grass thatched house with a leaky roof and renovating is always expensive."

"The biggest hardship I have faced in my life is lack of money. Recently my husband who has been a bread winner in the family got an accident which has limited him from working. So this has highly affected our household income."