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How Onyango Odhiambo, a mjengo (construction) worker in Rural Western, lives on KES 11,400 a month

Onyango Odhiambo, 20 — Mjengo (construction) worker in Rural Western (Bungoma).

Health costs eat a fixed slice before anything else moves.

Earns: KES 11,400 per month. Housing: KES 0 — Inherited plot.

Kitchen — KES 1,560/month

Unga (maize flour) KES 180
Rice & pasta KES 60
Sukuma/mboga (mama mboga) KES 110
Milk & tea leaves (daily chai) KES 390
Sugar KES 50
Cooking oil KES 90
Meat/omena/eggs KES 130
Bread & breakfast KES 60
Fruits KES 30
Salt KES 30
Matchbox KES 20
Spices & royco KES 20
Charcoal/kerosene KES 390

Utilities — KES 230/month

KPLC tokens KES 100
Water (borehole/river — treatment) KES 50
Kerosene/solar top-up KES 80

Connectivity — KES 180/month

Airtime & okoa KES 80
Data bundles KES 100

Transport — KES 900/month

Matatu/boda fares KES 900

Family — KES 2,100/month

Special school & therapy KES 2,100

Personal — KES 210/month

Barber KES 30
Clothes & shoes (mitumba) KES 100
Toiletries & grooming KES 80

Health — KES 2,200/month

SHIF/NHIF KES 100
Parent of a special-needs child care KES 2,100

Social — KES 70/month

Church/Mosque offering & harambee KES 70

Indulgences — KES 1,880/month

Beer — local joint (@~250) KES 1,400
Betting stakes KES 310
Nyama choma & outings KES 170

Debts

Shylock (local) — emergency loan active — 20%/mo KES 3,000

Left over each month: KES 2,070.

  • Tap Kitchen → it accounts even the 20-bob matchbox and the salt.
  • The daily chai habit is itemized: ~390/mo on milk & tea leaves alone.
  • Beer — local joint (@~250): 1,400/mo — over 10 years that's 168,000.

Parent of a special-needs child — therapy & special school.

Saving toward: School fees runway.

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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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