"I spent my third transfer on building material such 30 pieces of iron sheets and 10bags of cement which I will use to build a house, I also bought music system and television."

"I spent my third transfer on building a kitchen as I used to have nowhere to cook from, and again my children these days have a place of their own to spend the night .I also bought seats because I had none. I spent the balance on miscellaneous needs , including school primary school uniform, fees and food."

"I spent my third transfer on plastering my 2-room house because our soil her is poor and my mud house kept on collapsing and rendering us homeless from time to time, but with cement now it is stronger. I spent the little balance on basic household furniture."

"I spent my third transfer on expanding my house into a spacious three roomed one which accommodates my family members comfortably since before the transfer when my church-mate came to visit for church meeting the had to sit out side the house due to inadequate space.I also bought a she -calf to add onto my herd which I had bought with the second transfer."

"I spent my third transfer on cementing my house and now I am happy staying in a semi-permanent house since I no longer incur frequent cost of smearing my previous mud house. i fixed a steel door and three steel windows.I also bought fishing nets which gives me a reliable daily income hence working on my wealthier neighbors through the dangerous thickets with my little baby has seized to be a worry."

"I spent the larger part of my third transfer on cementing my house into a semi- permanent house from a mud one, now I no longer incur frequent cost of maintaining the previous mud house and being infested with insect hence predisposed with respiratory diseases has seized.I fixed two steel windows and fascia board .I also added stock onto my fingerling business and now I am able to save for my family's future developments because my daily income has double."

"I spent my third transfer on restoring my tailoring business that had collapsed by buying African fabric ,this situation made me to be a house wife for a while and now through the profits I have been able to buy a cow , two goats and paid school fees for my chu. I also bought three bags of beans to start a cereal business as well."

"I can now rest from ploughing my big farm with a hand hoe, as I bought cows which helps me in farming."

"I have made a big stride in my life as I was able to hire an ox plough to plough my land in a day.This relieved my family the burden of ploughing with their hands which was very tiring."

"The biggest hardship i have faced is lack of money to complete my house. My house has no floor and whenever it rains the floor becomes muddy, most times giving me sleepless nights."