"My biggest hardship is lack of enough money to start up a drug shop bussiness."

"My life is different in that I now sleep well, I have acquired a bull which will make the ploughing easy come next year. The new house am constructing will relieve me from looking for grass thatch yearly."

"I expect my life to change in the next six months in that, I will have bought a motorcycle which I will use to ferry people around to get income."

"I spent the whole of the third transfer to buy two cows and three heard of sheep for my future, as l am planing to sell them later and use the money to pay his school fee."

"I spent most of the third transfer to plaster my house since l have been longing to stay in plasted house like other people. The remaining balance l spent to pay school fee for my children who were sent home for school fee"

"I spent most of the third transfer to pay school for my children, l also spent the transfer to buy furniture and cupboard since l did not have any thing to sit on and where to keep my utensils safely . The remaining balance l spent to buy food."

"I spent most of the third transfer to extend my house since it was too small to accommodate me with my family. The remaining balance l spent buy furniture since l did not have any thing to sit on."

"I spent most of the third transfer to buy two cows and three goats as investment. I also spent the transfer to buy furniture since l did not have any thing to sit. The remaining balance l spent to invest in planting tree as my future investment."

"I spent most of the third transfer to buy building materials as l am planing to build my own home since l am still staying at my father's home. I also spent the transfer to buy furniture. The remaining balance l spent to pay school for my children."

"I spent most of the transfer to buy two cows for my future use, the remaining balance l spent to build a kitchen for my children to have a place there they can spend their night, since there were sleeping with them in the same house but the house also was too small to accommodate me with them."