"Receiving this money means renovating and completing my iron roof house by plastering it's floor and wall.Part of this money will assist provide my household with food since we received less crop harvest last season."

"Receiving this money means building an iron roof house and buying oxen that will assist my family in carrying out farming since, my household already has an ox plough.These oxen will help in clearing land for farming."

"We used our third transfer to buy timber for building this house which as you can see is still very new.It is bigger and better compared to our previous house. "

"We spent our third transfer on cementing the walls of our house which was newly built and made of mud,the remaining amount was used on paying for labor and school fees for our two children in primary school. "

"I spent part of my third transfer on buying household items like furniture,a bed and a mattress and even clothing.I saved the rest to be used for paying school fees for my child who is sitting for his class eight exams this year."

"The biggest hardship i am faced with is lack of oxen and an ox plough for tilling land. Usually, if i fail to get money for hire, then i don't cultivate. "

"I used the whole of my third transfer on buying building materials which I used in building my home. Traditionally everyone is suppose to move from their parents home to build their homes but I haven't been able to do so because of financial challenges so I took advantage of the money and built my home. I'm now happy I'm independent having my home."

"I screamed for joy and my night looked longer than usual."

"I used the whole of my third transfer on buying building materials which I used in building my home because I was staying in my father-in-laws home which I didn't find comfortable. I now feel more peaceful and independent having my home."

"I have been bed ridden for quite some times which subjected me to a lot of financial challenges because I'm the eldest in our family at the same time I have children in school. It reached a point I couldn't afford my medication so when I received my third transfer I spent part of it on my medication. I used a larger portion on farming for consumption which is a way of food security and saved part of the money for emergencies."