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How Hamisi Kombo, a m-pesa agent in Nyali, Mombasa, lives on KES 21,400 a month
Hamisi Kombo, 22 — M-Pesa agent in Nyali, Mombasa.
Pays no rent, yet the money still disappears — leaks, not bills.
Earns: KES 21,400 per month. Housing: KES 0 — Lives with parents.
Kitchen — KES 4,450/month
| Unga (maize flour) | KES 420 |
| Rice & pasta | KES 210 |
| Sukuma/mboga (mama mboga) | KES 260 |
| Milk & tea leaves (daily chai) | KES 1,450 |
| Sugar | KES 120 |
| Cooking oil | KES 220 |
| Meat/omena/eggs | KES 520 |
| Bread & breakfast | KES 220 |
| Fruits | KES 140 |
| Salt | KES 30 |
| Matchbox | KES 20 |
| Spices & royco | KES 80 |
| Gas refill (6kg cycle) | KES 760 |
Utilities — KES 1,530/month
| KPLC tokens | KES 890 |
| Water bill | KES 480 |
| Garbage collection | KES 160 |
Connectivity — KES 840/month
| Airtime & okoa | KES 360 |
| Data bundles | KES 480 |
Transport — KES 6,320/month
| Matatu/boda fares | KES 6,320 |
Personal — KES 1,040/month
| Barber | KES 160 |
| Clothes & shoes (mitumba) | KES 560 |
| Toiletries & grooming | KES 320 |
Health — KES 470/month
| SHIF/NHIF | KES 470 |
Social — KES 520/month
| Church/Mosque offering & harambee | KES 520 |
Indulgences — KES 480/month
| Gaming/PlayStation den | KES 480 |
Debts
| Fuliza — overdraft | revolving | KES 2,500 |
| Mwalimu SACCO — SACCO loan | active | KES 101,162 |
Left over each month: KES 5,750.
- Tap Kitchen → it accounts even the 20-bob matchbox and the salt.
- The daily chai habit is itemized: ~1,450/mo on milk & tea leaves alone.
- Gaming/PlayStation den: 480/mo — over 10 years that's 57,600.
Saving toward: School fees runway.
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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.
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