Mumbua Mutua, 49 — Security guard in Old Town, Mombasa, raising 5 children.
Every term opening is a crisis — fees are found, but always at a cost.
Earns: KES 12,100 per month. Housing: KES 6,655 rent.
Kitchen — KES 2,730/month
| Unga (maize flour) |
KES 500 |
| Rice & pasta |
KES 170 |
| Sukuma/mboga (mama mboga) |
KES 300 |
| Milk & tea leaves (daily chai) |
KES 480 |
| Sugar |
KES 150 |
| Cooking oil |
KES 240 |
| Meat/omena/eggs |
KES 350 |
| Bread & breakfast |
KES 170 |
| Fruits |
KES 90 |
| 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 90/month
| Airtime & okoa |
KES 40 |
| Data bundles |
KES 50 |
Transport — KES 690/month
| Matatu/boda fares |
KES 690 |
Family — KES 2,240/month
| Diapers & baby care (under-4s) |
KES 630 |
| School fees (4 kids, public day) |
KES 1,120 |
| Uniforms, books & school snacks |
KES 280 |
| Kids clothes & shoes (mitumba cycle) |
KES 210 |
Personal — KES 160/month
| Salon (braids/treatment) |
KES 70 |
| Clothes & shoes (mitumba) |
KES 50 |
| Toiletries & grooming |
KES 40 |
Health — KES 210/month
| SHIF/NHIF |
KES 110 |
| Clinic visits & dawa (kids) |
KES 100 |
Social — KES 450/month
| Church/Mosque offering & harambee |
KES 40 |
| Chama contribution |
KES 90 |
| Black tax (money home) |
KES 320 |
Indulgences — KES 200/month
| Cigarettes (per-stick) |
KES 110 |
| Nyama choma & outings |
KES 90 |
Debts
| Fuliza — overdraft |
revolving |
KES 1,500 |
| Shylock (local) — emergency loan |
active — 20%/mo |
KES 10,000 |
Short every month by KES 1,795.
- 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.
- Cigarettes (per-stick): 110/mo — over 10 years that's 13,200.
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.