Juma Simiyu, 38 — Mjengo (construction) worker in Rural Coast (Kilifi), raising 3 children.
Pays no rent, yet the money still disappears — leaks, not bills.
Earns: KES 11,000 per month. Housing: KES 0 — Inherited plot.
Kitchen — KES 4,060/month
| Unga (maize flour) |
KES 720 |
| Rice & pasta |
KES 250 |
| Sukuma/mboga (mama mboga) |
KES 440 |
| Milk & tea leaves (daily chai) |
KES 710 |
| Sugar |
KES 220 |
| Cooking oil |
KES 360 |
| Meat/omena/eggs |
KES 510 |
| Bread & breakfast |
KES 250 |
| Fruits |
KES 130 |
| Salt |
KES 30 |
| Matchbox |
KES 20 |
| Spices & royco |
KES 20 |
| Charcoal/kerosene |
KES 400 |
Utilities — KES 300/month
| KPLC tokens |
KES 130 |
| Water (borehole/river — treatment) |
KES 60 |
| Kerosene/solar top-up |
KES 110 |
Connectivity — KES 240/month
| Airtime & okoa |
KES 110 |
| Data bundles |
KES 130 |
Transport — KES 1,170/month
| Matatu/boda fares |
KES 1,170 |
Family — KES 1,480/month
| School fees (3 kids, public day) |
KES 1,080 |
| Uniforms, books & school snacks |
KES 270 |
| Kids clothes & shoes (mitumba cycle) |
KES 130 |
Personal — KES 280/month
| Barber |
KES 40 |
| Clothes & shoes (mitumba) |
KES 130 |
| Toiletries & grooming |
KES 110 |
Health — KES 260/month
| SHIF/NHIF |
KES 130 |
| Clinic visits & dawa (kids) |
KES 130 |
Social — KES 310/month
| Church/Mosque offering & harambee |
KES 90 |
| Chama contribution |
KES 220 |
Indulgences — KES 2,030/month
| Beer — local joint (@~250) |
KES 1,810 |
| Nyama choma & outings |
KES 220 |
Debts
| Fuliza — overdraft |
revolving |
KES 4,000 |
Left over each month: KES 870.
- Tap Kitchen → it accounts even the 20-bob matchbox and the salt.
- The daily chai habit is itemized: ~710/mo on milk & tea leaves alone.
- Beer — local joint (@~250): 1,810/mo — over 10 years that's 217,200.
Home setup: family bed + decker bed for the kids.
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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.