"I am planning to construct a new house that will be spacious enough for the family. The current one has old rusty iron sheets with a leaking roof and is quite small. I am also planning to pay school fees for my child who is in secondary school. " (Occupation: Small business)

"The biggest difference in my daily life is that I would walk long distance looking for clay to repair my house, but now it is plastered and now I use in doing other duties, my children can afford to have three meals a day and this makes me very happy" (Occupation: Small business)

"Am planning to spend my second transfer to buy sand, cement, murram and ballast to plaster my house and buy sheep." (Occupation: Small business)

"I spent my second my transfer to Invest on rice plantation after which I sell the produce and build a new house. I also start a fishing vendor business for my wife." (Occupation: Small business)

"The biggest difference in my life daily life is that now I have a house that can accommodate me and my family comfortable and business that carters for my daily needs." (Occupation: Small business)

"The biggest difference in my daily life is that hopefully am going to start a cattle selling business and pay my children school fee with the profit from rice produce."

"I am planning to spend my second transfer on expand my grocery business to get more income hence supporting my family financially . I am also planning to pay school fees for my children through next year ."

"I am planning to spend my Second transfer on paying school fees for my child who is enrolling to be a form four candidate next year. I am also planning to rent land so that I can expand my rice farming business to get double profits and plaster my house too into a semi permanent house to look presentable and save me from the cost that I incur when smearing my house with mud. "

"I spent my second tranfer on starting up a retail shop business to be able to get some money everyday to take care of my family. "

"I am planning to spend my upcoming transfer on doing farming, building a new house and starting a small business "