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How Wangari Ndung’u, a tailor / fundi wa nguo in Nakuru town, lives on KES 20,900 a month
Wangari Ndung'u, 54 — Tailor / fundi wa nguo in Nakuru town, raising 2 children.
Pays no rent, yet the money still disappears — leaks, not bills.
Earns: KES 20,900 per month. Housing: KES 0 — Family land (upcountry home).
Kitchen — KES 5,140/month
| Unga (maize flour) | KES 610 |
| Rice & pasta | KES 300 |
| Sukuma/mboga (mama mboga) | KES 380 |
| Milk & tea leaves (daily chai) | KES 1,440 |
| Sugar | KES 180 |
| Cooking oil | KES 330 |
| Meat/omena/eggs | KES 760 |
| Bread & breakfast | KES 330 |
| Fruits | KES 210 |
| Salt | KES 30 |
| Matchbox | KES 20 |
| Spices & royco | KES 50 |
| Gas refill (6kg cycle) | KES 500 |
Utilities — KES 1,180/month
| KPLC tokens | KES 690 |
| Water bill | KES 370 |
| Garbage collection | KES 120 |
Connectivity — KES 650/month
| Airtime & okoa | KES 280 |
| Data bundles | KES 370 |
Transport — KES 3,560/month
| Matatu/boda fares | KES 2,620 |
| Kids school transport | KES 940 |
Family — KES 3,600/month
| Diapers & baby care (under-4s) | KES 1,570 |
| School fees (1 kid, public + extras) | KES 1,380 |
| Uniforms, books & school snacks | KES 280 |
| Kids clothes & shoes (mitumba cycle) | KES 370 |
Personal — KES 1,190/month
| Salon (braids/treatment) | KES 500 |
| Clothes & shoes (mitumba) | KES 440 |
| Toiletries & grooming | KES 250 |
Health — KES 2,560/month
| SHIF/NHIF | KES 360 |
| Lives with diabetes care | KES 2,200 |
Social — KES 390/month
| Church/Mosque offering & harambee | KES 390 |
Left over each month: KES 2,630.
- Tap Kitchen → it accounts even the 20-bob matchbox and the salt.
- The daily chai habit is itemized: ~1,440/mo on milk & tea leaves alone.
Home setup: family bed + decker bed for the kids.
Lives with diabetes — monthly insulin & clinic.
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.
More lives in Nakuru town · more Tailor / fundi wa nguo lives · the 15–25k bracket