Fanikiwa · The AI Community
How Hamisi Kombo, a office cleaner in Thika town, lives on KES 12,600 a month
Hamisi Kombo, 38 — Office cleaner in Thika town, raising 2 children.
Fuliza swallows the float every mid-month — payday clears it, then the cycle restarts.
Earns: KES 12,600 per month. Housing: KES 6,930 rent.
Kitchen — KES 1,820/month
| Unga (maize flour) | KES 320 |
| Rice & pasta | KES 100 |
| Sukuma/mboga (mama mboga) | KES 190 |
| Milk & tea leaves (daily chai) | KES 320 |
| Sugar | KES 90 |
| Cooking oil | KES 150 |
| Meat/omena/eggs | KES 220 |
| Bread & breakfast | KES 100 |
| Fruits | KES 50 |
| Salt | KES 30 |
| Matchbox | KES 20 |
| Spices & royco | KES 10 |
| Gas refill (6kg cycle) | KES 220 |
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 1,810/month
| Matatu/boda fares | KES 1,810 |
Family — KES 1,080/month
| Diapers & baby care (under-4s) | KES 630 |
| School fees (1 kid, public day) | KES 280 |
| Uniforms, books & school snacks | KES 70 |
| Kids clothes & shoes (mitumba cycle) | KES 100 |
Personal — KES 100/month
| Barber | KES 10 |
| Clothes & shoes (mitumba) | KES 50 |
| Toiletries & grooming | KES 40 |
Health — KES 120/month
| SHIF/NHIF | KES 120 |
Social — KES 40/month
| Church/Mosque offering & harambee | KES 40 |
Debts
| Fuliza — overdraft | revolving | KES 800 |
| M-Shwari — mobile loan | active | KES 6,109 |
Left over each month: KES 50.
- Tap Kitchen → it accounts even the 20-bob matchbox and the salt.
- The daily chai habit is itemized: ~320/mo on milk & tea leaves alone.
Home setup: family bed + decker bed for the kids.
Saving toward: Car.
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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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