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How Khavere Makokha, a tailor / fundi wa nguo in Kitengela, lives on KES 12,300 a month

Khavere Makokha, 24 — Tailor / fundi wa nguo in Kitengela.

One emergency away from zero — no cushion at all.

Earns: KES 12,300 per month. Housing: KES 6,765 rent.

Kitchen — KES 1,060/month

Unga (maize flour) KES 120
Rice & pasta KES 40
Sukuma/mboga (mama mboga) KES 70
Milk & tea leaves (daily chai) KES 260
Sugar KES 30
Cooking oil KES 60
Meat/omena/eggs KES 80
Bread & breakfast KES 40
Fruits KES 20
Salt KES 30
Matchbox KES 20
Spices & royco KES 10
Gas refill (6kg cycle) KES 280

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

Personal — KES 320/month

Salon (braids/treatment) KES 140
Clothes & shoes (mitumba) KES 100
Toiletries & grooming KES 80

Health — KES 110/month

SHIF/NHIF KES 110

Social — KES 80/month

Church/Mosque offering & harambee KES 80

Indulgences — KES 520/month

Cigarettes (per-stick) KES 210
Nyama choma & outings KES 170
Gaming/PlayStation den KES 140

Debts

Branch — mobile loan active KES 4,519
Okolea — mobile loan (defaulted) CRB-listed KES 2,500

Left over each month: KES 65.

  • Tap Kitchen → it accounts even the 20-bob matchbox and the salt.
  • The daily chai habit is itemized: ~260/mo on milk & tea leaves alone.
  • Cigarettes (per-stick): 210/mo — over 10 years that's 25,200.

Saving toward: Wedding fund.

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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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