"I spent my first transfer on buying items such as; two big source pans at 100,000 ugx, a kettle at 13,000 ugx, four matresses, three pairs of bedsheets, gumboots, clothes for my family and I, and Jerricans for fetching water. I also bought stock at 400,000ugx for my shop since it was failing. Then I had to to buy a ploughing bull at 850,000 ugx. "

"The floor of my house was plastered with soil, we mix soil water and cow dung to plaster and this exercise is always repeated so many times because it always wears out so fast and the walls too are made of soil so when it rains the walls will fall out, so for this reason when I received my last transfer I purposed to end this and plaster the floor with cement and the walls too."

"When it rains in our area it always floods so this really affected us because the water would enter in the house and this meant sleeping in a house filled with water which was so uncomfortable and also the toilet would sink in so after every rain season we would dig and dig a new toilet. so when I received my transfers from the first to the last I used it to raise the floor of the house and plaster and I also built a standard toilet and permanent one this time."

"I spent my third transfer on buying a water pump that hire out to farmers for money. This gives me more income. I also use it to irrigate my farm. The remaining I spent on buying a sub woofer that I use to listen to music."

"I spent most of my third transfer on paying school fees for my three children in secondary school. I had not paid the year's fees so, when I paid this, I felt relieved. I also spent some money on buying some timber that I am planning to use to build a new house after my current house got destroyed by water and termites."

"The happiest part of the day is after lunch, i go to fetch water at the near by borehole and this is when i chatt with friends. This relieves me off some soughts."

"I spent my third transfer on a water pump and a power generate which am using to water my farm produce, with my agribusiness am able to provide school fees for my children and food for my family."

"The biggest hardship which am facing currently is poor accommodation. since my roof is made of grass ,the house leaks when it rains and the water enters inside the house."

"I am a horticultural farmer, so when I received my third transfer, I bought a generator for pumping water from the lake. I do not have to wait for the rains given that I bought a generator for pumping water to my crops. The remaining I spent on buying clothes and food for my consumes."

"I spent my third transfer on plastering my 3 room house for 47,000 KES since if I never did that the mud walls would be again washed off by rain water and cause us all inconveniences."