"Smearing had become a big problem due to old age so when I received my second transfer, I used the large percentage of the amount on plastering my house, paid fees for my child who was out of school for one week due to the arrears and bought food for the family comsumption. I also bought bed with a mattress and seats because I previously had one in the house hence sitting on the floor whenever I had visitor which was the only option that I had."

"I have a plan to save my transfers so that I can buy a new mattress and bed. I will also use the remaining savings to improve my business by adding more stock which will then help me pay my grandchild's school fees."

"When I received my first transfer, I was able to purchase household items like a mattress, a bed, bedsheets and curtains worth 330,000ugx, I purchased clothes for my family members worth 120,000ugx and the balance of 1,250,000ugx, I lent to a neighbour who in return provided his land as collateral which I am cultivating on until he refunds my money. "

"I spent my second transfer to pay for my garden that i had mortgaged, i bought a calf and also repaired my motor bike that was broken down and was nolonger in use,i bought a new bed and mattress."

"My life is different than it would have been because i have acquired land for gardening, happy to own cows and i sleep well on a bed and a mattress."

"I used my second transfer for buying a second hand bajaj motorcycle at 1,200,000ugx, my husband does bajaj business and gets money to cater for family needs. I also bought the bed, mattress and food."

"I spent 1,500,000ugx of my second transfer to buy a garden, i used the balance for buying a mattress and bed sheets."

"I used my second transfer for completing the construction of my house and bought one mattress."

"My life is different than it would have been because i would not be able to buy basics like sugar, soap, food and sleep comfortably on a mattress with a mosquito net."

"I spent my second transfer on purchase of 3 bags of cement at 84,000ugx for plastering my house, i got land on mortgage at 600,000ugx. I started business for produce with capital of 300,000ugx. I constructed a business stole, i also bought one mattress and registered my children for school."