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How Wangari Maina, a office clerk/admin in Kibera, Nairobi, lives on KES 41,900 a month
Wangari Maina, 18 — Office clerk/admin in Kibera, Nairobi.
Health costs eat a fixed slice before anything else moves.
Earns: KES 41,900 per month. Housing: KES 3,400 rent.
Kitchen — KES 9,640/month
| Unga (maize flour) | KES 610 |
| Rice & pasta | KES 410 |
| Sukuma/mboga (mama mboga) | KES 410 |
| Milk & tea leaves (daily chai) | KES 3,540 |
| Sugar | KES 190 |
| Cooking oil | KES 370 |
| Meat/omena/eggs | KES 1,570 |
| Bread & breakfast | KES 510 |
| Fruits | KES 440 |
| Salt | KES 30 |
| Matchbox | KES 20 |
| Spices & royco | KES 170 |
| Gas refill (13kg cycle) | KES 1,370 |
Utilities — KES 4,260/month
| KPLC tokens (shared meter) | KES 590 |
| Water (mtungi @5-10 bob) | KES 440 |
| Garbage | KES 90 |
| Security (vigilante) | KES 190 |
| WiFi (home fibre) | KES 2,950 |
Connectivity — KES 2,690/month
| Airtime & okoa | KES 680 |
| Data bundles | KES 980 |
| TV (Gotv/DStv) | KES 1,030 |
Transport — KES 3,070/month
| Matatu/boda fares | KES 3,070 |
Personal — KES 5,800/month
| Salon (braids/treatment) | KES 2,460 |
| Clothes & shoes | KES 2,460 |
| Toiletries & grooming | KES 880 |
Health — KES 4,080/month
| SHIF/NHIF | KES 1,130 |
| Managing depression/anxiety care | KES 2,950 |
Social — KES 1,230/month
| Church/Mosque offering & harambee | KES 1,230 |
Debts
| M-Shwari — mobile loan | active | KES 12,079 |
| Equity — personal/car loan | active | KES 304,207 |
| Mwalimu SACCO — SACCO loan | active | KES 170,321 |
Left over each month: KES 7,730.
- Tap Kitchen → it accounts even the 20-bob matchbox and the salt.
- The daily chai habit is itemized: ~3,540/mo on milk & tea leaves alone.
Managing depression/anxiety — therapy & meds.
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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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