"I spent my third transfer on buying and fitting a steel door to replace the old-fashioned wooden door I had before. I also bought a television for news to keep me updated with the current affairs. I also repaid a loan I owed our local table banking group where I am the treasurer. The remaining I spent on my household daily use."

"We have a large farm in our area where people acquire land and grow various food crops and cash crops, but I have never owned land there, so when I received my third transfer, I spent part of it on acquiring a one and a half acre piece of land where I grew some corn. I am glad the corn did so well and I have since harvested. I also spent some money on boosting my wife's business. We take care of our family with so much comfort and ease and the remaining on school fees for my children in primary school."

"I have a daughter in secondary school, so most of my third transfer went to school fees payment for her. She is now in her second last year of secondary school. The remaining I spent on buying a cow for milking. I had been buying milk from the neighbors, so I thought of having my own cow too. The remaining I spent on food for my family consumption."

"I spent my third transfer on buying building materials that I used to build a new house. We added it to the second transfer. The house I had before was so squeezed that could not accommodate my growing family."

"My life is different in that my family status improved a great deal from grass-thatched to iron-roofed house, and from just admiring livestock from afar and finally having one of our own cattle."

"I spent my third transfer on buying cement and sand that I used to plaster my house I had constructed using my second transfer. I was staying in a grass thatched house. The remaining amount I spent on buying furniture for my living room. I have been sitting on my in-laws chairs, so after purchasing mine, I returned them. I also bought my family some clothing and kitchen utensils with part of the money."

"I spent my third transfer on buying housing materials, we plan to put up a bigger and better house soon."

"I spent my third transfer on relocating and construction of a three room house."

"The main activity in my area is fishing, so all my third transfer I spent on making a fishing boat. Previously, I was hiring a boat which I had to pay every month and most of the times the owner could threaten me to have it back because of late payment. I now have my own boat and I enjoy all the profits. I am even an employer too as I have employed someone we work with in the boat."

"I spent my third transfer on buying building materials that I used build a house in my own compound. I now have my home like the others."