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How Lemayian Lemayian, a medical doctor in Nakuru town, lives on KES 191,400 a month
Lemayian Lemayian, 61 — Medical doctor in Nakuru town, raising 5 children, running two households.
Every term opening is a crisis — fees are found, but always at a cost.
Earns: KES 191,400 per month. Housing: KES 11,800 rent.
Kitchen — KES 22,380/month
| Unga (maize flour) | KES 1,370 |
| Rice & pasta | KES 1,370 |
| Sukuma/mboga (mama mboga) | KES 1,020 |
| Milk & tea leaves (daily chai) | KES 5,320 |
| Sugar | KES 470 |
| Cooking oil | KES 1,020 |
| Meat/omena/eggs | KES 6,890 |
| Bread & breakfast | KES 1,770 |
| Fruits | KES 1,970 |
| Salt | KES 30 |
| Matchbox | KES 20 |
| Spices & royco | KES 110 |
| Gas refill (13kg cycle) | KES 1,020 |
Utilities — KES 5,310/month
| KPLC tokens | KES 1,850 |
| Water bill | KES 920 |
| Garbage collection | KES 230 |
| WiFi (home fibre) | KES 2,310 |
Connectivity — KES 3,600/month
| Airtime & okoa | KES 550 |
| Data (bundled/postpaid) | KES 920 |
| TV (Gotv/DStv/Netflix) | KES 2,130 |
Transport — KES 14,370/month
| Fuel (own car) | KES 5,560 |
| Parking & tolls | KES 1,390 |
| Kids school transport | KES 7,420 |
Family — KES 56,570/month
| Diapers & baby care (under-4s) | KES 2,780 |
| School fees (4 kids, private/boarding) | KES 46,370 |
| Uniforms, books & school snacks | KES 3,710 |
| Kids clothes & shoes | KES 3,710 |
Personal — KES 5,320/month
| Barber | KES 460 |
| Clothes & shoes | KES 3,710 |
| Toiletries & grooming | KES 1,150 |
Health — KES 5,220/month
| SHIF/NHIF | KES 2,440 |
| Private medical cover top-up | KES 2,780 |
Social — KES 17,710/month
| Church/Mosque offering & harambee | KES 1,770 |
| Chama contribution | KES 4,630 |
| Black tax (money home) | KES 11,310 |
Second household — KES 20,120/month
| Second home upkeep & support | KES 20,120 |
Debts
| M-Shwari — mobile loan | active | KES 49,188 |
Left over each month: KES 29,000.
- Tap Kitchen → it accounts even the 20-bob matchbox and the salt.
- The daily chai habit is itemized: ~5,320/mo on milk & tea leaves alone.
Home setup: family bed + decker bed for the kids.
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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