"I spent my third transfer on buying sheep that I am hoping will multiply and give me profits in the future. I also bought building materials that I used to construct a kitchen where I can cook from. Previously I could cook from my main house and most of the time the smoke was too much hindering my family from staying indoors .The remaining I spent on buying cushions for my seats and a few furniture."

"I had constructed a house using my second transfer but it was incomplete so,most of my third transfer I spent on buying the remaining materials that I used to finish the construction work,and given that it was December, and Christmas was approaching,I bought my children nice clothes and bedding for my family."

"I spent my third on buying livestock for rearing. ThIs acts like my assets that might help me even in school fees payment when I sell. I also paid for a motorcycle that my husband for taxi business. This can help me sustain my family daily needs. My husband used to hire motorcycles and this was not income generating as I expected."

"I spent my third transfer on making a boat. This has enabled me sustain my family."

"I have been staying with my husband for five years now but he had not paid my dowry as traditions require of him, so most of my third transfer I spent on that. My husband bought some cows and carried some cash that was taken as my dowry payment. I can now say that I am legally married as per our traditions."

"Having a spacious decent house which I never anticipated is the difference that I have gained in my life , before life was hard since my previous house could leak when it rained of which ment the six of my family members could to stay up at the safest point of the house and this affected our productivities espacially of my children's."

"My biggest hardship is lack of money to cater for my children's education."

"Receiving this money means building an iron roof house for my family."

"I used the whole of my third transfer to acquire a piece of land that we are planning to build our home and relocate to. Where we live currently, in my father's home, is very congested since there is no space for expansion. And since I would like to carry out farming, I would need more space for that before the year ends."

"The biggest hardship i faced in life is falling sick for long,this was costly and I ended up selling all my six goasts to help raise money for treatment, so currently my family is surving on causal Labouring and small "omena" business. "