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How Wambui Githinji, a medical doctor in Kasarani, Nairobi, lives on KES 174,200 a month
Wambui Githinji, 44 — Medical doctor in Kasarani, Nairobi, raising 2 children.
Sends money home every month without fail; own savings keep stalling.
Earns: KES 174,200 per month. Housing: KES 17,800 rent.
Kitchen — KES 16,990/month
| Unga (maize flour) | KES 880 |
| Rice & pasta | KES 880 |
| Sukuma/mboga (mama mboga) | KES 650 |
| Milk & tea leaves (daily chai) | KES 5,150 |
| Sugar | KES 300 |
| Cooking oil | KES 650 |
| Meat/omena/eggs | KES 4,400 |
| Bread & breakfast | KES 1,130 |
| Fruits | KES 1,250 |
| Salt | KES 30 |
| Matchbox | KES 20 |
| Spices & royco | KES 170 |
| Gas refill (13kg cycle) | KES 1,480 |
Utilities — KES 7,720/month
| KPLC tokens | KES 2,690 |
| Water bill | KES 1,340 |
| Garbage collection | KES 330 |
| WiFi (home fibre) | KES 3,360 |
Connectivity — KES 5,230/month
| Airtime & okoa | KES 800 |
| Data (bundled/postpaid) | KES 1,340 |
| TV (Gotv/DStv/Netflix) | KES 3,090 |
Transport — KES 15,490/month
| Fuel (own car) | KES 8,080 |
| Parking & tolls | KES 2,020 |
| Kids school transport | KES 5,390 |
Family — KES 24,910/month
| Diapers & baby care (under-4s) | KES 4,040 |
| School fees (1 kid, private/boarding) | KES 16,840 |
| Uniforms, books & school snacks | KES 1,340 |
| Kids clothes & shoes | KES 2,690 |
Personal — KES 11,110/month
| Salon (braids/treatment) | KES 4,040 |
| Clothes & shoes | KES 5,390 |
| Toiletries & grooming | KES 1,680 |
Health — KES 8,940/month
| SHIF/NHIF | KES 3,220 |
| Clinic visits & dawa (kids) | KES 1,680 |
| Private medical cover top-up | KES 4,040 |
Social — KES 23,350/month
| Church/Mosque offering & harambee | KES 2,340 |
| Chama contribution | KES 6,730 |
| Black tax (money home) | KES 14,280 |
Indulgences — KES 6,730/month
| Nyama choma & outings | KES 6,730 |
Debts
| Tala — mobile loan | active | KES 40,382 |
Left over each month: KES 35,930.
- Tap Kitchen → it accounts even the 20-bob matchbox and the salt.
- The daily chai habit is itemized: ~5,150/mo on milk & tea leaves alone.
- Nyama choma & outings: 6,730/mo — over 10 years that's 807,600.
Home setup: family bed + decker bed for the kids.
Saving toward: Masters/course fees.
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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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