"I spent my third transfer on cementing my house and now I no longer incur frequent cost of smearing my previous mud house which needed often maintenance .I bought she-cow and a steel sofa set seat . I bought food for my family's consumption and two school uniforms.I also school fees for my two children who are in primary."

"I spent my first transfer to buy a mattress at 90,000 UGX, and a bed at 60,000 UGX, and I also bought a cow at 600,000 UGX. Then I spent 500,000 UGX to clear my loan."

"I spent my third transfer on cementing kitchen into a semi-permanent one .I built a pit latrine and now I no longer have to borrow my neighbors' a place to help myself or walk a long way when it rains to my neighbor's toilet .I also bought a she cow."

"I spent the larger part of my third transfer on buying an ox and an ox phough to add onto my three oxen that I had bought earlier with the second transfer,now I no longer practice labour exchange which was time consuming and at time a lot of the villagers were in need of the same service so it force me to cultivate my farm at a later time hence affecting the outcome of my yields negatively after pleading with them.I also bought a dairy cow."

"I used a portion of my third transfer on 24 bags of cement, sand and paint which I have used to renovate the house I was living in from mud to plastered because I was tired of smearing my house with cowdung. The remaining amount, I spent on sofa set to add beauty to my house and also bought fertilizer and seeds because I did not have them yet it was planting season."

"I used a portion of my third transfer to buy sand and cement which I have used to renovate the house I was living because I am sickly and cannot continuously smear my house with cowdung. The remaining amount, I spent to pay school fees for my grandchild who is an orphan and solely depends on me."

"I spent my third transfer on buying a cow for milking. I have been buying milk, but only when I had the money. I also managed to pay school fees for my son in secondary school. The remaining I spent on corn for my family.I am grateful for the money I received from them."

"I was able to buy 30 iron sheets which I'm intending to use in building a new house,the remaining amount I used to buy one cow and clothing for my family. "

"I spent part of my third transfer on a cow with intentions that it would provide one day reproduce and provide me with milk. I also paid school fee for my sister-in-law who was sent home at the moment the transfer was being sent. I was glad that the money came in at the right time. Finally, I boosted my shop business which had began doing so poorly due to shortage of operational funds."

"I used my third transfer to buy iron sheets, timber and nails which I used to build my new house because the house I was living in was old and the roof was almost falling down. I bought sand and cement to plaster my new house because I was tired of looking for cowdung to smear my house. The remaining amount, I spent to on a cow with main purpose of selling her young ones to get money for school fees for my children in future and also bought one and a half sack of maize for consumption."