Ondieki Mogaka, 48 — Medical doctor in Nakuru town, raising 3 children.
Weekend club nights at 500 bob a beer are quietly a plot deposit.
Earns: KES 359,900 per month. Housing: KES 0 — Employer housing/staff quarters.
Kitchen — KES 99,270/month
| Unga (maize flour) |
KES 5,980 |
| Rice & pasta |
KES 5,980 |
| Sukuma/mboga (mama mboga) |
KES 4,440 |
| Milk & tea leaves (daily chai) |
KES 23,630 |
| Sugar |
KES 2,050 |
| Cooking oil |
KES 4,440 |
| Meat/omena/eggs |
KES 29,940 |
| Bread & breakfast |
KES 7,690 |
| Fruits |
KES 8,550 |
| Salt |
KES 30 |
| Matchbox |
KES 20 |
| Spices & royco |
KES 670 |
| Gas refill (13kg cycle) |
KES 5,850 |
Utilities — KES 20,700/month
| KPLC tokens |
KES 7,200 |
| Water bill |
KES 3,600 |
| Garbage collection |
KES 900 |
| WiFi (home fibre) |
KES 9,000 |
Connectivity — KES 14,040/month
| Airtime & okoa |
KES 2,160 |
| Data (bundled/postpaid) |
KES 3,600 |
| TV (Gotv/DStv/Netflix) |
KES 8,280 |
Transport — KES 79,230/month
| Fuel (own car) |
KES 45,020 |
| Parking & tolls |
KES 5,400 |
| Kids school transport |
KES 28,810 |
Family — KES 115,240/month
| Diapers & baby care (under-4s) |
KES 10,800 |
| School fees (2 kids, private/boarding) |
KES 90,040 |
| Uniforms, books & school snacks |
KES 7,200 |
| Kids clothes & shoes |
KES 7,200 |
Personal — KES 20,700/month
| Barber |
KES 1,800 |
| Clothes & shoes |
KES 14,400 |
| Toiletries & grooming |
KES 4,500 |
Health — KES 28,620/month
| SHIF/NHIF |
KES 17,820 |
| Private medical cover top-up |
KES 10,800 |
Social — KES 12,960/month
| Church/Mosque offering & harambee |
KES 12,960 |
Indulgences — KES 28,800/month
| Club nights — beer @~500, occasional six-pack (wines @1,500–2,000) |
KES 14,400 |
| Cigarettes (packets) |
KES 5,400 |
| Betting stakes |
KES 9,000 |
Debts
| KCB — personal/car loan |
active |
KES 1,119,614 |
| Local SACCO — SACCO loan |
active |
KES 1,353,804 |
Short every month by KES 59,660.
- Tap Kitchen → it accounts even the 20-bob matchbox and the salt.
- The daily chai habit is itemized: ~23,630/mo on milk & tea leaves alone.
- Club nights — beer @~500, occasional six-pack (wines @1,500–2,000): 14,400/mo — over 10 years that's 1,728,000.
Home setup: family bed + decker bed for the kids.
See more lives like this Now try YOURS →
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.