Farah Yusuf, 29 — House manager (domestic worker) in Kitengela, raising 1 child.
CRB-listed over an old mobile loan; locked out of new credit.
Earns: KES 6,500 per month. Housing: KES 3,575 rent.
Kitchen — KES 2,860/month
| Unga (maize flour) |
KES 470 |
| Rice & pasta |
KES 170 |
| Sukuma/mboga (mama mboga) |
KES 290 |
| Milk & tea leaves (daily chai) |
KES 480 |
| Sugar |
KES 140 |
| Cooking oil |
KES 230 |
| Meat/omena/eggs |
KES 340 |
| Bread & breakfast |
KES 170 |
| Fruits |
KES 90 |
| Salt |
KES 30 |
| Matchbox |
KES 20 |
| Spices & royco |
KES 20 |
| Gas refill (6kg cycle) |
KES 410 |
Utilities — KES 470/month
| KPLC tokens |
KES 280 |
| Water bill |
KES 140 |
| Garbage collection |
KES 50 |
Connectivity — KES 180/month
| Airtime & okoa |
KES 80 |
| Data bundles |
KES 100 |
Transport — KES 2,730/month
| Matatu/boda fares |
KES 2,730 |
Family — KES 450/month
| School fees (1 kid, public day) |
KES 280 |
| Uniforms, books & school snacks |
KES 70 |
| Kids clothes & shoes (mitumba cycle) |
KES 100 |
Personal — KES 210/month
| Barber |
KES 30 |
| Clothes & shoes (mitumba) |
KES 100 |
| Toiletries & grooming |
KES 80 |
Health — KES 100/month
Social — KES 40/month
| Church/Mosque offering & harambee |
KES 40 |
Indulgences — KES 1,050/month
| Beer — local joint (@~250) |
KES 700 |
| Cigarettes (per-stick) |
KES 210 |
| Gaming/PlayStation den |
KES 140 |
Debts
| Okolea — mobile loan (defaulted) |
CRB-listed |
KES 4,500 |
Short every month by KES 5,165.
- Tap Kitchen → it accounts even the 20-bob matchbox and the salt.
- The daily chai habit is itemized: ~480/mo on milk & tea leaves alone.
- Beer — local joint (@~250): 700/mo — over 10 years that's 84,000.
Home setup: family bed + kids' bed.
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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.