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How Mwangi Githinji, a boda boda rider in Ruiru, lives on KES 21,500 a month
Mwangi Githinji, 19 — Boda boda rider in Ruiru.
Still repaying the wedding/funeral harambee shortfall.
Earns: KES 21,500 per month. Housing: KES 7,800 rent.
Kitchen — KES 4,330/month
| Unga (maize flour) | KES 400 |
| Rice & pasta | KES 200 |
| Sukuma/mboga (mama mboga) | KES 250 |
| Milk & tea leaves (daily chai) | KES 1,410 |
| Sugar | KES 120 |
| Cooking oil | KES 220 |
| Meat/omena/eggs | KES 510 |
| Bread & breakfast | KES 220 |
| Fruits | KES 140 |
| Salt | KES 30 |
| Matchbox | KES 20 |
| Spices & royco | KES 70 |
| Gas refill (6kg cycle) | KES 740 |
Utilities — KES 1,480/month
| KPLC tokens | KES 860 |
| Water bill | KES 470 |
| Garbage collection | KES 150 |
Connectivity — KES 820/month
| Airtime & okoa | KES 350 |
| Data bundles | KES 470 |
Transport — KES 3,040/month
| Fuel & bike/vehicle upkeep | KES 3,040 |
Personal — KES 1,010/month
| Barber | KES 150 |
| Clothes & shoes (mitumba) | KES 550 |
| Toiletries & grooming | KES 310 |
Health — KES 460/month
| SHIF/NHIF | KES 460 |
Social — KES 500/month
| Church/Mosque offering & harambee | KES 500 |
Debts
| Fuliza — overdraft | revolving | KES 1,500 |
| Branch — mobile loan | active | KES 10,567 |
| Family & friends — harambee shortfall | informal | KES 120,000 |
Left over each month: KES 2,060.
- Tap Kitchen → it accounts even the 20-bob matchbox and the salt.
- The daily chai habit is itemized: ~1,410/mo on milk & tea leaves alone.
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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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