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How Mwangi Waweru, a dairy/tea farmer in Rural North, lives on KES 41,600 a month
Mwangi Waweru, 62 — Dairy/tea farmer in Rural North (Wajir), raising 2 children.
Harvest months are fine; the dry months are brutal.
Earns: KES 41,600 per month. Housing: KES 0 — Own home.
Kitchen — KES 12,320/month
| Unga (maize flour) | KES 980 |
| Rice & pasta | KES 660 |
| Sukuma/mboga (mama mboga) | KES 660 |
| Milk & tea leaves (daily chai) | KES 3,880 |
| Sugar | KES 310 |
| Cooking oil | KES 600 |
| Meat/omena/eggs | KES 2,530 |
| Bread & breakfast | KES 820 |
| Fruits | KES 710 |
| Salt | KES 30 |
| Matchbox | KES 20 |
| Spices & royco | KES 120 |
| Gas refill (13kg cycle) | KES 1,000 |
Utilities — KES 2,890/month
| KPLC tokens | KES 640 |
| Water (borehole/river — treatment) | KES 100 |
| WiFi (home fibre) | KES 2,150 |
Connectivity — KES 1,960/month
| Airtime & okoa | KES 500 |
| Data bundles | KES 710 |
| TV (Gotv/DStv) | KES 750 |
Transport — KES 4,390/month
| Matatu/boda fares | KES 2,240 |
| Kids school transport | KES 2,150 |
Family — KES 8,890/month
| Diapers & baby care (under-4s) | KES 2,510 |
| School fees (1 kid, private day) | KES 4,670 |
| Uniforms, books & school snacks | KES 640 |
| Kids clothes & shoes | KES 1,070 |
Personal — KES 2,710/month
| Barber | KES 280 |
| Clothes & shoes | KES 1,790 |
| Toiletries & grooming | KES 640 |
Health — KES 1,530/month
| SHIF/NHIF | KES 820 |
| Clinic visits & dawa (kids) | KES 710 |
Social — KES 890/month
| Church/Mosque offering & harambee | KES 890 |
Debts
| Branch — mobile loan | active | KES 11,709 |
| Mwalimu SACCO — SACCO loan | active | KES 87,094 |
Left over each month: KES 6,020.
- Tap Kitchen → it accounts even the 20-bob matchbox and the salt.
- The daily chai habit is itemized: ~3,880/mo on milk & tea leaves alone.
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.
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