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How Nasimiyu Shikuku, a salonist / hairdresser in Nyali, Mombasa, lives on KES 24,000 a month
Nasimiyu Shikuku, 46 — Salonist / hairdresser in Nyali, Mombasa, raising 2 children.
One income, all the responsibilities — no room for error.
Earns: KES 24,000 per month. Housing: KES 13,200 rent.
Kitchen — KES 4,410/month
| Unga (maize flour) | KES 520 |
| Rice & pasta | KES 260 |
| Sukuma/mboga (mama mboga) | KES 330 |
| Milk & tea leaves (daily chai) | KES 1,230 |
| Sugar | KES 160 |
| Cooking oil | KES 280 |
| Meat/omena/eggs | KES 650 |
| Bread & breakfast | KES 280 |
| Fruits | KES 180 |
| Salt | KES 30 |
| Matchbox | KES 20 |
| Spices & royco | KES 40 |
| Gas refill (6kg cycle) | KES 430 |
Utilities — KES 860/month
| KPLC tokens | KES 500 |
| Water bill | KES 270 |
| Garbage collection | KES 90 |
Connectivity — KES 470/month
| Airtime & okoa | KES 200 |
| Data bundles | KES 270 |
Transport — KES 4,230/month
| Matatu/boda fares | KES 3,550 |
| Kids school transport | KES 680 |
Family — KES 2,600/month
| Diapers & baby care (under-4s) | KES 1,130 |
| School fees (1 kid, public + extras) | KES 1,000 |
| Uniforms, books & school snacks | KES 200 |
| Kids clothes & shoes (mitumba cycle) | KES 270 |
Personal — KES 850/month
| Salon (braids/treatment) | KES 360 |
| Clothes & shoes (mitumba) | KES 310 |
| Toiletries & grooming | KES 180 |
Health — KES 300/month
| SHIF/NHIF | KES 300 |
Social — KES 2,220/month
| Church/Mosque offering & harambee | KES 320 |
| Chama contribution | KES 450 |
| Black tax (money home) | KES 1,450 |
Debts
| Fuliza — overdraft | revolving | KES 800 |
| Local SACCO — SACCO loan | active | KES 92,291 |
Short every month by KES 5,140.
- Tap Kitchen → it accounts even the 20-bob matchbox and the salt.
- The daily chai habit is itemized: ~1,230/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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