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How Anyango Ouma, a office cleaner in Rural Western, lives on KES 13,800 a month

Anyango Ouma, 57 — Office cleaner in Rural Western (Bungoma), raising 2 children.

Every term opening is a crisis — fees are found, but always at a cost.

Earns: KES 13,800 per month. Housing: KES 0 — Family land (upcountry home).

Kitchen — KES 5,870/month

Unga (maize flour) KES 1,010
Rice & pasta KES 360
Sukuma/mboga (mama mboga) KES 630
Milk & tea leaves (daily chai) KES 1,020
Sugar KES 310
Cooking oil KES 500
Meat/omena/eggs KES 720
Bread & breakfast KES 360
Fruits KES 190
Salt KES 30
Matchbox KES 20
Spices & royco KES 40
Charcoal/kerosene KES 680

Utilities — KES 510/month

KPLC tokens KES 220
Water (borehole/river — treatment) KES 110
Kerosene/solar top-up KES 180

Connectivity — KES 400/month

Airtime & okoa KES 180
Data bundles KES 220

Transport — KES 1,970/month

Matatu/boda fares KES 1,970

Family — KES 1,730/month

School fees (2 kids, public day) KES 1,210
Uniforms, books & school snacks KES 300
Kids clothes & shoes (mitumba cycle) KES 220

Personal — KES 700/month

Salon (braids/treatment) KES 300
Clothes & shoes (mitumba) KES 220
Toiletries & grooming KES 180

Health — KES 500/month

SHIF/NHIF KES 280
Clinic visits & dawa (kids) KES 220

Social — KES 200/month

Church/Mosque offering & harambee KES 200

Indulgences — KES 370/month

Nyama choma & outings KES 370

Debts

Fuliza — overdraft revolving KES 4,000

Left over each month: KES 1,550.

  • Tap Kitchen → it accounts even the 20-bob matchbox and the salt.
  • The daily chai habit is itemized: ~1,020/mo on milk & tea leaves alone.
  • Nyama choma & outings: 370/mo — over 10 years that's 44,400.

Home setup: family bed + decker bed for the kids.

Saving toward: Boda/loan clearance.

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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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