"Apart from the clothes business, I have been yearning to also start a shoes selling business to run parallel with the cloth business. In the near future when I receive my next transfers, I will see into it that I start a shoe business."

"Upon receiving my second transfer, I started a second-hand clothes business to help me generate income. This way I will not have to engage myself with janitor jobs which were so hard to do and tiresome as well. I will be my own boss and I will dictate how much to earn depending on the effort I place in my business."

"I expect to save some of the transfers to buy more building materials to use in plastering the house. My house will be beautiful and the envy of everyone in the village. I will have livestock for rearing which I can sell later during financial difficulties. When my children are sent away from school to clear fee balances."

"I plan to boost my small business which I have been running for the last few years to sustain my family. I will start out by buying a huge stock of dagaa so that when I finally sell them out at retail price, it means that the profit margins will be bigger than what I generate today."

"My kitchen is thatched and leaks whenever it rains. It is old and on the verge of falling down at any time. I have started buying building materials that I want to use in building a kitchen using the previous transfers. I expect to save and buy more building materials that I will use to build a new kitchen."

"I want to save some more to buy building materials that I plan to use in plastering my house. I had built a house in the previous years but I had not plastered it because I had other commitments and also earned so little from casual labour that could only buy food to feed my family."

"In the next six months, I am thinking of further investments that can help our family move towards being financially stable. A part from improving my maize selling business, I plan to have additional livestock for the family. Such assets shall be of great assistance especially during times of financial difficulties."

"I am planning to save my next few transfers in M-shwari to buy more stock to boost my business to generate more income for my family. I want to buy more household items i.e Television set on hire purchase for my entertainment."

"In the next six months, I intend to add more goats for rearing and poultry keeping as well. Diversifying my sources of income shall empower me financially and is even allow me to think of other investments going forward."

"In the next six months l expect to have enlarge cattle farming by adding more cattle and l will also have manage to buy an ox plough. I will no longer hire people's cow or an ox plough because l have my own."