"The biggest hardship I face in my life is that my business of selling tomatoes and kales is not making any profit at the moment while I have a huge burden of paying school fees for my son who is in college and those in secondary school."

"I am planning to spend my transfer to revive my tea leaves business. I hope this will be a more reliable source of income that will enable me raise school fees for my children and also meet basic needs of my family."

"Iam planning to spend my transfer in paying school fees since l have a child in secondary and currently we don't have a stable source of income."

"I am planning to spend my transfer on paying my school fees now that I am still in Secondary School."

"I plan to spend my transfers towards enlarging my house to accommodate many guests when visited. I have daughters and I look forward to hosting my in-laws which will need space. I will also spend part of the transfers on school fees for my son who is in secondary school form one. "

"My biggest hardship is in raising school fees to ensure my children and grandchild go to school regularly since my spouse and I are low income earners. I have a daughter in university and another in medical college, and a granddaughter in secondary school form two. "

"My biggest hardship was the death of my husband, the seven children he left behind paying the school fees was not easy as i had no stable job and income."

"My happiest part of the day is in the evening when I come back home knowing that I made profit from my business. The profit generated from the business helps me in buying food for my family, repaying my loans and also paying school fees for my brother "

"The biggest hardship I have faced in my life came as a result of separating with my wife thereby leaving me as the only bread winner for my two children. My barber shop business also collapsed, and as a result forcing me to become a small-scale farmer as an alternative means of getting money to feed my kids and pay their school fees. "

"I am planning to use my transfers on farming various crops e.g. sweet potatoes, maize and beans which I will use to feed my family and sell to get school fees. "