"By the time I received the second transfer, I had already decided how I was going to spend the money. I am a father of six children. Three boys and three girls. Since I already build a house for the boys, it was now a turn for the girls to have their own house because they are grown-ups. Therefore, I bought 14 pieces of iron sheets for $105 and three ridges for $11 and the labor charge of the contractor was $100. Currently, I am happy to see that my girls are comfortable in their house unlike before when they were not free since we slept under the same roof. After that, I paid $120 in school fees for my two secondary school children who had some fee arrears. Since hunger was a challenging factor since we have been without rain for the last three farming seasons, I bought a 90kg sack of maize for $75 and a bale of maize flour for $24. I did this to ensure that I have enough food for my family at home."

"My hope for the coming years is to see all my children go to school smoothly without being interrupted due to the lack of school fees. To achieve this, I want to continue with livestock keeping, therefore, I would ensure that every month I purchase chicken or a goat and would be selling them in bits to get the money to pay for the children's school fees."

"I hope to start a livestock rearing project in the next coming year and beyond. I would want to have as many chicken and goats so that I no longer struggle to look for money to pay for my children's school fees in the future. To achieve this dream I wanted to add more chicken to the ones I already have and also buy goats at least every month with the transfers that I would be receiving and later look for a market for sale when in need of finances."

"My main goals this year and beyond is to join college and open my own welding shop. I would achieve this by saving part of my transfers to enable me purchase the necessary equipment to start off my business after I would be done with college by the end of this year."

"My main goal that I would like to accomplish is to have a better house. The house that I currently live in is a bit small considering the size of the family that I have. I would want to save a greater percentage of my monthly transfers and before the end of the this year, I believe that the amount of money that I shall have saved would be enough to start me off."

"The house that I am currently living in not big enough for my family considering that the family is still growing big. Therefore my biggest goal this year is to improve and expand it to a size that would be suitable for my family."

"I currently have three school-going children with my eldest child in grade 4. In the next two years, he would be required to join junior high school and I know that without prior planning, paying for his school fees would be a great challenge. Therefore my goal is to ensure that he continues with his studies without interference and therefore I want to ensure that every month, I purchase a goat and have as a many as possible so that when the time comes, I would sell them and get enough money to take him to school."

"My goal for the next one year is to venture into livestock rearing. I would want have as many goats as possible so that I become one of the greatest livestock keeper within the area. I want to ensure that I at least purchase a goat every month with the transfers that I would be receiving to enable attain my goal."

"My main aim this year was to build my own home. I now live in a room that was a room that was kitchen for the family to which I was married into. The kitchen housed animals and was also the place for preparing food. When I was married I was given this house which did not even have a door as we looked for finances to build a house for ourselves. The animals were later sold out by my mother in-law so she could take care of her financial needs which gave us a bit more space. I want to use my march to buy the first materials for building, I want to continue this on a monthly basis untill I have all the materials for biudling this house."