"I spent my third transfer on buying building materials that I used to build a new spacious house.My current house is now very spacious. The remaining we spent on buying some more furniture for our living room. At least now we have enough seats."

"I have a daughter who is in secondary school and she had arrears so most of my third transfer,I spent on paying the fees to clear the arrears she owed the school. The remaining I spent on buying food for my family consumption. I could have never raised that money to pay school."

"My husband used to hire a boat from someone and even if he went without a catch he could still pay the rented amount and this was difficult since getting food was a problem, so when I received my third transfer I used the larger portion of the amount on purchasing a boat and a fishing net . Our lives have changed drastically because we nolonger struggle to get basic needs especially food. I also bought seats in my house, decent clothes for the whole family and food that we ate as a family."

"The new goal that I have is to buy livestock so as to have a source of income for my family from sale of milk and have some left for consumption."

"I had done my secondary education but I did not make it to join college for lack of school fees, so when I received my third transfer and second transfer, I managed to join college. I am taking a diploma course in teaching. I am hopeful that I will finish school and practice my career and feed my family more comfortably."

"I spent my third transfer on buying cement that were used to plaster my earthen house. I was tired of tire of smearing with mus all the time to maintain it all the time. The remaining I spent on paying school fees for my child who was joining secondary school at the time. At least this enabled me to facilitate her joining school."

"I spent my third transfer on buying cement and sand that I used to repair my house that was not in a very good condition. I also spent some of the money on paying school fees for my two sons in secondary and university respectively. The remaining amount I spent on daily food for my family."

"I spent the larger portion of my third transfer on building nice spacious house since the previous one was very small hence unconfortable to move around. I also bought food that we ate as a family and used the remaining amount on a fishing net and currently I have employed a casual fishmonger hence get income from selling fish since before I could only survive on odd jobs that were unreliable."

"I have my daughter in secondary school so most part of my third transfer, I spent on paying for her school fees. I am glad she was not sent home for lack of school fee. The remaining amount I spent on buying cows that in future my sons might use as dowry payments when they become of age. The remaining amount I spent on buying food for my family consumption."

"I spent the larger portion of my third transfer on building a decent spacious house because the pevious one was in a bad condition and very small . I also bought a fish net that my husband uses to catch fish which I sell later on, I can say that I get more profits unlike before where I used to buy from other fishmongers."