"I spent most portion of my third transfer to make a down payment on a land I was purchasing where I will build my house and move from the rented one, I spent a portion to buy fishing ropes since I am in fish business and the remaining amount, I spent to buy other household items which I did not have."

"I spent a portion of my third transfer on cement and sand which I have used to cement the house I built with my second transfer and paid laborers who cemented my house. I spent some amount to pay school fees for my children who are in academy because I did not want to incur fee arrears in school. The remaining amount, I spent on two sacks of maize for consumption."

"I spent all of my third transfer on building my house since I had a small house which couldn't accommodate us comfortable with my growing family."

"I spent most of my third transfer on building a house since I had a small thatched-roofed house which was almost falling down, then start a business of selling vegetable for my daily income with the remaining amount."

"The moment I recieved my money, I felt very happy and I ran around shouting with joy."

"I spent a portion of my third transfer to buy cement and sand which I have used to renovate my house from mud to plastered as this will make it more durable, I spent some amount to pay laborers who plastered my house. The remaining amount, I spent to buy a cow with a purpose of getting more livestock once it starts reproducing."

"After building my house with the second transfer, I thought of milk production investment with my third transfer so I bought 2 dairy cow and now I am happy providing food for my grandchildren without difficulties."

"My life has become much better than it was before. My family can afford to buy good food everyday and my children now go to school because I am able to pay for their school fees."

"Since I was jobless I couldn't afford to build a house, so when I received my third transfer I built a house and start a business of selling fish for my daily income with the remaining amount."

"I used most portion of my third transfer to buy a cow which will provide my family with milk hence my children will stop taking porridge in the morning, I bought an ox plough to help me plough my farms on time for cultivation. I bought iron sheets, timber and nails which I have used to build a kitchen because I was cooking in the open and would be rained on, this sometimes led to cooking late at night since I would wait for the rains to subside. I spent some amount to pay school fees for my brother-in-law who is an orphan."