"Receiving this money means that I Will be in position to pay school fees for my children and complete the construction of my house. "

"The biggest hardship that I am faced with is sickness. I can not help myself. "

"When I receive this money, I will buy some cows that I will use as dowry and for agriculture."

"When I receive this transfer, I will build a house and buy some oxen to help in agriculture."

"We are fast approaching our farming season and people are running up and down preparing their farms for planting. I would not wish to be left behind, so I plan to save more of these transfers to get money to hire casual labourers to till my farm. I would also wish to buy more fertilizer which will eventually boost my farm produce. I get to sell the surplus and increase food for family consumption."

"In the next six months, I expect to live peacefully because I will be living a decent life with no much struggles to provide meals for our household. Moreover, I expect to save part of my transfers and support my mother to build a decent house. She has been living in a small house which is in a bad condition. In addition, she has been desiring to build a house for the past three years although, this has not been realized due to financial constraints."

"In the next six I expect my life to change in that we will have more farm produce for the family. Recently, we have embarked on horticultural farming that will see us have more income for the family and within the shortest time possible. This, we expect will help us raise more money for family use and more specifically in paying school fees for our children who are in various schools. It is also an assurance to the family that we will not lack food anytime soon like we were used to doing in the past."

"When I receive this money, I will renovate the house."

"With my business currently booming, I want to take a loan and construct a new and much larger house that can comfortably house my entire family and have enough space for my business. We have many children and squeezing them in the same room makes them very uncomfortable and this is one of the biggest reasons we urgently need to enlarge the house or construct a new one."

"With the transfers I receive every month, I am optimistic that come six months, I will have started poultry farming. This will allow me to have a source of income as a housewife and even support my husband. That way we will share the burden of providing for the family."