"My husband and i have planned to start a business with the upcoming lumpsum, the rest we will use to finish building our kitchen."

"We will use the next transfer on building our house."

"I am planning to buy a piece of land with the upcoming lump-sum."

"I am proudest that I have managed to take good care of my children after my spouse died twenty years ago. I have struggled to feed and educate them."

"The biggest hardship I face is providing for my family, since am the breadwinner. I also take care of some of my siblings, the little I earn is not sufficient."

"The biggest hardship that I face right now is lack of a sustainable source of income for myself and my spouse. My spouse retired from his job ten years ago and now we rely on farming, but this is not very profitable."

"The biggest hardship that I face right now is lack of a sustainable source of income for myself. I am the sole breadwinner for my family and as I continue ageing it becomes more difficult for me to cater for all my family's basic needs."

"The biggest hardship that I face right now is lack of enough money to renovate my house, buy household items and clothes for my children."

"The biggest hardship that I face right now is lack of a sustainable source of income for myself, my spouse is my only source of income and if he loses his job we will have a difficult time catering for our family's needs."

"The biggest hardship I face in life is that I still struggle very much to educate my children in high school because it's expensive and my income isn't sufficient."