"The biggest hardship I face in life is lack of money. I do casual work and my income isn't sufficient to cater for all my financial needs."

"The biggest hardship that I face right now is lack of a sustainable source of income, ever since my spouse died I have been the sole breadwinner. I have school fees to pay and if I am unable to raise the required money my children might drop out of school."

"The biggest hardship that I face right now is lack of enough money to pay school fees, eat healthy nutritious meals and pay hospital bills whenever I am sick."

"I plan to buy more ironsheet, timber and nails, and build an iron roofed house."

"I plan to buy ironsheet, timber and nails, and extend my house to make it more spacious. I also plan to start poultry keeping as a money generating activity."

"I have been homeless for many years, but now I will have an opportunity to buy builing materials ( ironsheet, timber and nails) and build an iron roofed house."

"I plan to spent the entire transfer as capital to open a grocery shop so that i may have a source of income."

"I plan to buy cement and cement the floor and walls of my house to make the house more presentable."

"I plan to buy ironsheet, timber and nails, and build an iron roofed house."

"I plan to buy cement and cement walls of my house. I also plan to increase stock for my grocery shop so that my profit may increase."