"I am planning to spend my transfer on buying a piece of land as we don't have our own because the one we stay in is for our father, we will also buy a motorcycle that we will use in transport business to earn a living and start also a small business of selling clothes. I will spend the remaining amount in buying furniture for our house and complete building our house." (Occupation: Small business)

"The achievement I am proudest of is that I have been able to do my small business of selling fish till I was able to buy a goat that I has also given birth to several goats that I keep." (Occupation: Small business)

"I plan to spend the transfer to construct a new house and buy a door. I also plan to use part of the transfer to start a small business that would enable me support my family. I also plan to use part of the transfer to pay school fees for my children."

"I plan to spend the transfer to start a small business that would help me get additional source of income. I also plan to use part of the transfer to construct a house for my son. I also plan to spend the transfer on paying school fees for my son for a training course."

"I plan to spend the transfer on school fees for my child who is in high school. I also plan to spend the money to start a small business as this will add up to my sources of income. I also plan to use the remaining balance to buy household items like utensils."

"I am planning to use my transfer on my children's education, expand my fishing business and start horticultural farming so as to have a reliable source of income."

"We are planning to build a latrine because we are currently using our neighbour's, fence our compound so that we can plant trees, vegetables and maize without interference from animals, expand our house because it's small, boost our fishing business and pay dowry."

"My biggest hardship in life is lack of money to pay school fees for my children." (Occupation: Small business)

"My biggest hardship in life is lack of proper source of income to sustain my family." (Occupation: Small business)

"I would like to use part of the transfer to expand my business to generate more income to sustain my family. Secondly l would wish to pay school fees for my children who are in high school. Finally l would like to buy water tank because we have water problem."