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How Adhiambo Okoth, a fisherman in Rural Coast, lives on KES 22,200 a month
Adhiambo Okoth, 35 — Fisherman (lake/coast) in Rural Coast (Kilifi), raising 2 children.
Every term opening is a crisis — fees are found, but always at a cost.
Earns: KES 22,200 per month. Housing: KES 0 — Employer housing/staff quarters.
Kitchen — KES 6,880/month
| Unga (maize flour) | KES 930 |
| Rice & pasta | KES 460 |
| Sukuma/mboga (mama mboga) | KES 590 |
| Milk & tea leaves (daily chai) | KES 1,510 |
| Sugar | KES 280 |
| Cooking oil | KES 500 |
| Meat/omena/eggs | KES 1,160 |
| Bread & breakfast | KES 500 |
| Fruits | KES 320 |
| Salt | KES 30 |
| Matchbox | KES 20 |
| Spices & royco | KES 50 |
| Gas refill (6kg cycle) | KES 530 |
Utilities — KES 90/month
| Water (borehole/river — treatment) | KES 90 |
Connectivity — KES 680/month
| Airtime & okoa | KES 290 |
| Data bundles | KES 390 |
Transport — KES 3,690/month
| Matatu/boda fares | KES 1,710 |
| Kids school transport | KES 1,980 |
Family — KES 3,880/month
| School fees (2 kids, public + extras) | KES 2,900 |
| Uniforms, books & school snacks | KES 590 |
| Kids clothes & shoes (mitumba cycle) | KES 390 |
Personal — KES 1,240/month
| Salon (braids/treatment) | KES 520 |
| Clothes & shoes (mitumba) | KES 460 |
| Toiletries & grooming | KES 260 |
Health — KES 730/month
| SHIF/NHIF | KES 400 |
| Clinic visits & dawa (kids) | KES 330 |
Social — KES 430/month
| Church/Mosque offering & harambee | KES 430 |
Debts
| Fuliza — overdraft | revolving | KES 1,500 |
| Tala — mobile loan | active | KES 8,242 |
Left over each month: KES 4,580.
- Tap Kitchen → it accounts even the 20-bob matchbox and the salt.
- The daily chai habit is itemized: ~1,510/mo on milk & tea leaves alone.
Home setup: family bed + decker bed for the kids.
Saving toward: Business capital.
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A member of the Fanikiwa AI Community — 1,000 real Kenyan lives, itemized down to the matchbox. Figures are representative community data. Fanikiwa is money coaching for Kenya, Africa and beyond — not licensed financial, tax or legal advice.
More lives in Rural Coast · more Fisherman (lake/coast) lives · the 15–25k bracket