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How Onyango Ouma, a tailor / fundi wa nguo in Nyeri town, lives on KES 17,200 a month
Onyango Ouma, 18 — Tailor / fundi wa nguo in Nyeri town, raising 1 child.
Fuliza swallows the float every mid-month — payday clears it, then the cycle restarts.
Earns: KES 17,200 per month. Housing: KES 6,600 rent.
Kitchen — KES 3,310/month
| Unga (maize flour) | KES 360 |
| Rice & pasta | KES 180 |
| Sukuma/mboga (mama mboga) | KES 230 |
| Milk & tea leaves (daily chai) | KES 980 |
| Sugar | KES 110 |
| Cooking oil | KES 190 |
| Meat/omena/eggs | KES 450 |
| Bread & breakfast | KES 190 |
| Fruits | KES 120 |
| Salt | KES 30 |
| Matchbox | KES 20 |
| Spices & royco | KES 40 |
| Gas refill (6kg cycle) | KES 410 |
Utilities — KES 810/month
| KPLC tokens | KES 470 |
| Water bill | KES 260 |
| Garbage collection | KES 80 |
Connectivity — KES 450/month
| Airtime & okoa | KES 190 |
| Data bundles | KES 260 |
Transport — KES 1,580/month
| Matatu/boda fares | KES 1,580 |
Family — KES 1,350/month
| Diapers & baby care (under-4s) | KES 1,090 |
| Kids clothes & shoes (mitumba cycle) | KES 260 |
Personal — KES 550/month
| Barber | KES 80 |
| Clothes & shoes (mitumba) | KES 300 |
| Toiletries & grooming | KES 170 |
Health — KES 200/month
| SHIF/NHIF | KES 200 |
Social — KES 220/month
| Church/Mosque offering & harambee | KES 220 |
Debts
| Fuliza — overdraft | revolving | KES 4,000 |
| Tala — mobile loan | active | KES 5,585 |
Left over each month: KES 2,130.
- Tap Kitchen → it accounts even the 20-bob matchbox and the salt.
- The daily chai habit is itemized: ~980/mo on milk & tea leaves alone.
Home setup: family bed + kids' bed.
Saving toward: Build upcountry house.
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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 Nyeri town · more Tailor / fundi wa nguo lives · the 15–25k bracket