"I expect my life to change in the next six months in that I shall have saved money and use it to start a cereal business to make an extra income. I believe from the extra income I will have ease in paying school fees for my children hence they will no longer stay home for a long period of time due to school arrears and also their performance in school will be good."

"The biggest hardship I face is lack of food to eat. This makes me some times sleep with a single meal a day."

"Receiving this money means that it will enable to buy domestic animals to rear. These animals I shall be getting milk and Some times sell in exchange for money. "

"The biggest hardship that I am faced with is inadequacy of food. This has made it very hard for me to maintain the family. "

"Recieving this money means that I shall use it for building ironroofed house."

"Receiving this money means that I will be in position to buy a piece of land that I can settle inn. "

"The biggest hardship that I am faced with is lack of money to take care of my household needs. "

"The biggest hardship that I am faced with is lack of money to take care of the needs of my family. "

"After saving these transfers and starting a business for my wife in order for her to earn some income, my next project will be to save and buy building materials i.e iron sheets, poles, timber and nails to build a new house. I still live in my father's compound and this has restricted me from doing a lot of things. I need the freedom of waking up in my own home."

"When I receive this money, I will buy a good sewing machine, some cows and some household items."