"I spent my third transfer paying school fees for my two children one in college taking a course in teaching, another in a technical training college and the other in secondary school."

"I spent my third transfer buying building materials that I used to build a new house in my own compound. I have moved away from my father-in-law's compound. The remaining I spent on buying livestock for rearing and food too for my family consumes."

"I used my last transfer to pay school fees for my child who is in high school and I also took part of the money to use it to build a house I used to live in the compound of my father in law and this used to bring quarrels and disagreements in the family, the rest of the money I used to buy uniform for his small brother and bought some other small items for the household."

"I used my last transfer to pay fees for my children one who is college doing theater arts and another one just joined high school the last transfer came in in the time when all of them were joining their various schools the rest of the transfer I used for our daily needs."

"I spent part of my third transfer paying school fees for my children who are in college as for me education is a basic need and I feel my children should be in school. The remaining I spent on my rice plantation as this will help me raise more school fees for my children given that they are still in school."

"I used almost all of my last transfer to build a house, I thought of building because my hose before was small and the iron sheets were worn out and licking when it rained so for this matter I bought building materials mainly the iron sheets and the special soil we use for plastering our walls. The remaining money I used to buy food in the house."

"I spent part of my third transfer on buying steel door and glass windows that I have since fitted on my house. The remaining I spent on paying school fees for my children in a private school and bought goats that I am rearing."

"My house was not in a very good condition and was almost collapsing,so when I received my third transfer,I bought building materials and built a new house. It is now so strong and it I do not have to worry any more of it collapsing on me. The remaining I spent on food for my family consumes."

"I spent part of my third transfer paying school fees for my step daughter who has been having fees problem since she started her secondary school. Were it not for these transfers, I am even scared she might have dropped out. The remaining I spent on buying some livestock for rearing and building materials that I used to renovate my house that was not in a very good condition. It is now so neat."

"I used my last transfer to buy a dairy cow to give me milk once it gives birth, then I have two wives and at the time I received the transfer my father in law had passed on so we used some money for the funeral arrangement. I later gave them some small capital to start a business in which one started selling sardines in the nearby market then the other one invested hers in buying shoes and selling in the nearby market, then lastly I paid the farmers and hired a ploughing hoe and a bull to help me in ploughing."