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How Njoroge Kamau, a tailor / fundi wa nguo in Kisumu town, lives on KES 18,600 a month
Njoroge Kamau, 29 — Tailor / fundi wa nguo in Kisumu town, raising 2 children.
Pays no rent, yet the money still disappears — leaks, not bills.
Earns: KES 18,600 per month. Housing: KES 0 — Own home.
Kitchen — KES 5,260/month
| Unga (maize flour) | KES 620 |
| Rice & pasta | KES 310 |
| Sukuma/mboga (mama mboga) | KES 390 |
| Milk & tea leaves (daily chai) | KES 1,480 |
| Sugar | KES 190 |
| Cooking oil | KES 330 |
| Meat/omena/eggs | KES 780 |
| Bread & breakfast | KES 330 |
| Fruits | KES 210 |
| Salt | KES 30 |
| Matchbox | KES 20 |
| Spices & royco | KES 50 |
| Gas refill (6kg cycle) | KES 520 |
Utilities — KES 1,210/month
| KPLC tokens | KES 710 |
| Water bill | KES 380 |
| Garbage collection | KES 120 |
Connectivity — KES 670/month
| Airtime & okoa | KES 290 |
| Data bundles | KES 380 |
Transport — KES 2,350/month
| Matatu/boda fares | KES 2,350 |
Family — KES 3,610/month
| Diapers & baby care (under-4s) | KES 3,230 |
| Kids clothes & shoes (mitumba cycle) | KES 380 |
Personal — KES 820/month
| Barber | KES 120 |
| Clothes & shoes (mitumba) | KES 450 |
| Toiletries & grooming | KES 250 |
Health — KES 650/month
| SHIF/NHIF | KES 330 |
| Clinic visits & dawa (kids) | KES 320 |
Social — KES 360/month
| Church/Mosque offering & harambee | KES 360 |
Debts
| Unaitas — SACCO loan | active | KES 63,372 |
Left over each month: KES 3,670.
- Tap Kitchen → it accounts even the 20-bob matchbox and the salt.
- The daily chai habit is itemized: ~1,480/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.
More lives in Kisumu town · more Tailor / fundi wa nguo lives · the 15–25k bracket