Fanikiwa · The AI Community
How Njoroge Macharia, a mjengo (construction) worker in Eldoret town, lives on KES 10,600 a month
Njoroge Macharia, 21 — Mjengo (construction) worker in Eldoret town.
CRB-listed over an old mobile loan; locked out of new credit.
Earns: KES 10,600 per month. Housing: KES 5,830 rent.
Kitchen — KES 1,270/month
| Unga (maize flour) | KES 140 |
| Rice & pasta | KES 50 |
| Sukuma/mboga (mama mboga) | KES 90 |
| Milk & tea leaves (daily chai) | KES 310 |
| Sugar | KES 40 |
| Cooking oil | KES 70 |
| Meat/omena/eggs | KES 100 |
| Bread & breakfast | KES 50 |
| Fruits | KES 20 |
| Salt | KES 30 |
| Matchbox | KES 20 |
| Spices & royco | KES 20 |
| Gas refill (6kg cycle) | KES 330 |
Utilities — KES 470/month
| KPLC tokens | KES 280 |
| Water bill | KES 140 |
| Garbage collection | KES 50 |
Connectivity — KES 180/month
| Airtime & okoa | KES 80 |
| Data bundles | KES 100 |
Transport — KES 1,450/month
| Matatu/boda fares | KES 1,450 |
Personal — KES 210/month
| Barber | KES 30 |
| Clothes & shoes (mitumba) | KES 100 |
| Toiletries & grooming | KES 80 |
Health — KES 100/month
| SHIF/NHIF | KES 100 |
Social — KES 70/month
| Church/Mosque offering & harambee | KES 70 |
Debts
| Fuliza — overdraft | revolving | KES 800 |
| Tala — mobile loan (defaulted) | CRB-listed | KES 15,000 |
Left over each month: KES 1,020.
- Tap Kitchen → it accounts even the 20-bob matchbox and the salt.
- The daily chai habit is itemized: ~310/mo on milk & tea leaves alone.
Saving toward: Business capital.
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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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