"The biggest hardship that we have faced in life is that we don't have a stable source of income that can enable us meet the needs of the family. We only depend on subsistence farming as a major source of livelihood and this is unreliable."

"The biggest hardship that I have faced in life is that I don't have a stable source of income to support my family. We sometimes go for a day without having a meal."

"The achievement that I am proudest of is that I have been able to plant crops on my farm which enabled me to get a good harvest during the previous planting season."

"My proudest achievement is having been a fisherman for quite a while and after selling my catch I have always saved a portion of the money. These savings have enabled me to educate my children up to secondary school level and I am still educating some of them."

"The biggest hardship that I face right now is lack of enough money to pay school fees for my children who are in secondary schools, if I am unable to raise the required fees they may drop out of school."

"I will use the next transfer to pay school fees, buy cattle and fensing my home."

"I am planning to spend the next transfer on cementing my house and paying school fees."

"We plan to spend my upcoming lump sum payment on Secondary school fee and also buying clothing material for my business."

"We are planning to spend my upcoming lump sum payment on cementing our house and buying seats, and if there is a balance we shall spend it on increasing our local poultry stock."

"I will use the next transfer to buy furniture, building a toilet and a cow for ox-ploughing."