"I spent my third transfer on paying school fees for my children. They used to be sent home each and every time because of school fee arrears. The remaining part of the money I used to buy lots of food so that I would have stock. It was during a period of drought so that is why I stocked food in the house."

"I spent my third transfer on the construction of a new house. The house that I used to live in was small and I felt the need of building a bigger and better house. Now my children have their own bedrooms and we do not have to squeeze ourselves in a small room."

"I injected some part of the money in the expansion of my pig farming business. Now my business gives me double profit and I am a happy farmer. Pigs consume a lot of water therefore, I felt the need of digging a well so as to increase water supply in my home and farm. The remaining part of the money is what I used in digging up the well."

"I spent my third transfer on paying school fees for child who is in secondary school. I decided to pay fees so that I will not be stressed up each and every time she is sent home. I paid her fees for the whole year. The remaining part of the money I used to refurbish my house which was old."

"I spent my last transfer to buy a dairy cow in that when it gives birth it will be an added advantage and also give me milk, I also bought seats for my house because I had none and before we used stools."

"I spent my third transfer transfer on buying solar lamp and my clothes . I bought two bags of maize for my family's consumption and paid school fees for my child who is in the university.Through this I have regain the peace of mind which I used to lack since I am not worried of paying school fees for him any time soon which has always been my biggest worry which makes me at times go to an extent of borrowing money from my neighbors or carrying out a fundraising .I also built a traditional house ''simba'' for my son."

"I spent most of the last transfer and got five sheep to the ones I already have, I thought of keeping sheep because they grow up faster so that in the near future I can sell them when they multiply, I also invested in farming sugarcane this in the long run to sell and make profit, finally I thought of keeping poultry for my family consumption and also for selling."

"I used to have a very squeezed two roomed house that could not comfortably accommodate my family. So most part of my third transfer I spent buying, building materials that I used to construct a three roomed spacious house. At least it is now spacious enough. The remaining amount I spent buying corn for my family consumes."

"I spent my third transfer on buying a solar panel. I decided to buy a solar because paraffin is expensive and now I am able to save the money I used to buy with paraffin."

"I spend my third transfer on school fees and bedding, I also plaster my house with the remaining cash."