"I spent most of my third transfer on sand, cement, ballast and murram which I used to plaster the house I had previously built with the second transfer. The remaining amount, I spent on sofa set since I did not have decent seats in my house."

"I spent my third transfer on school fees and food, I also bought bedding and furniture."

"The biggest hardship which i face is hunger since I don't dig. getting some thing to eat is just a problem."

"Receiving this money is going to benefit my family through povety alleviation."

"The biggest hardship I face is lack of company since I have lost all my relatives. Now this has caused me boredom and ulcers because all the time I think about them."

"Receiving this money means household development. This money will buy household necessities for my family like beddings, food, land and pay tuition for my son who is at college and those still at secondary school."

"I spent my third transfer on a second-hand motorcycle, that is used to transport goods and people around the village for my daily income."

"I spent most of my third transfer on murram, sand and clay soil which I intend to use in renovating my house, I spent some amount to invest in a maize business for income. I also spent some amount to pay school fees for my child who is in high school and the remaining amount, I spent to buy other household items which I lacked."

"After furnishing my house with my second transfer,I decided to buy a dairy cow and pay school fees with my third transfer."

"Since am traditional healer I face a very big challenge with my clients especially when it comes to payment, they hardly pay promptly due to povety so they keep paying me in instalment which affects my budget and planning. "