Fanikiwa · The AI Community
How Kiplagat Sang, a security guard in Old Town, Mombasa, lives on KES 18,100 a month
Kiplagat Sang, 19 — Security guard in Old Town, Mombasa, raising 1 child.
Health costs eat a fixed slice before anything else moves.
Earns: KES 18,100 per month. Housing: KES 9,955 rent.
Kitchen — KES 3,580/month
| Unga (maize flour) | KES 470 |
| Rice & pasta | KES 230 |
| Sukuma/mboga (mama mboga) | KES 300 |
| Milk & tea leaves (daily chai) | KES 780 |
| Sugar | KES 140 |
| Cooking oil | KES 250 |
| Meat/omena/eggs | KES 590 |
| Bread & breakfast | KES 250 |
| Fruits | KES 160 |
| Salt | KES 30 |
| Matchbox | KES 20 |
| Spices & royco | KES 30 |
| Gas refill (6kg cycle) | KES 330 |
Utilities — KES 660/month
| KPLC tokens | KES 380 |
| Water bill | KES 210 |
| Garbage collection | KES 70 |
Connectivity — KES 360/month
| Airtime & okoa | KES 150 |
| Data bundles | KES 210 |
Transport — KES 1,270/month
| Matatu/boda fares | KES 1,270 |
Family — KES 1,080/month
| Diapers & baby care (under-4s) | KES 870 |
| Kids clothes & shoes (mitumba cycle) | KES 210 |
Personal — KES 450/month
| Barber | KES 70 |
| Clothes & shoes (mitumba) | KES 240 |
| Toiletries & grooming | KES 140 |
Health — KES 1,220/month
| SHIF/NHIF | KES 170 |
| Managing depression/anxiety care | KES 1,050 |
Social — KES 540/month
| Church/Mosque offering & harambee | KES 190 |
| Chama contribution | KES 350 |
Debts
| Fuliza — overdraft | revolving | KES 2,500 |
| Zenka — mobile loan | active | KES 4,260 |
| Okolea — mobile loan (defaulted) | CRB-listed | KES 15,000 |
Short every month by KES 1,015.
- Tap Kitchen → it accounts even the 20-bob matchbox and the salt.
- The daily chai habit is itemized: ~780/mo on milk & tea leaves alone.
Home setup: family bed + kids' bed.
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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