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How Wangari Kamau, a mama mboga in Old Town, Mombasa, lives on KES 14,300 a month
Wangari Kamau, 18 — Mama mboga (grocery kiosk) in Old Town, Mombasa.
CRB-listed over an old mobile loan; locked out of new credit.
Earns: KES 14,300 per month. Housing: KES 7,865 rent.
Kitchen — KES 1,980/month
| Unga (maize flour) | KES 220 |
| Rice & pasta | KES 80 |
| Sukuma/mboga (mama mboga) | KES 140 |
| Milk & tea leaves (daily chai) | KES 490 |
| Sugar | KES 70 |
| Cooking oil | KES 110 |
| Meat/omena/eggs | KES 160 |
| Bread & breakfast | KES 80 |
| Fruits | KES 40 |
| Salt | KES 30 |
| Matchbox | KES 20 |
| Spices & royco | KES 30 |
| Gas refill (6kg cycle) | KES 510 |
Utilities — KES 570/month
| KPLC tokens | KES 340 |
| Water bill | KES 170 |
| Garbage collection | KES 60 |
Connectivity — KES 230/month
| Airtime & okoa | KES 100 |
| Data bundles | KES 130 |
Transport — KES 1,580/month
| Matatu/boda fares | KES 1,580 |
Personal — KES 400/month
| Salon (braids/treatment) | KES 170 |
| Clothes & shoes (mitumba) | KES 130 |
| Toiletries & grooming | KES 100 |
Health — KES 170/month
| SHIF/NHIF | KES 170 |
Social — KES 120/month
| Church/Mosque offering & harambee | KES 120 |
Debts
| Fuliza — overdraft | revolving | KES 2,500 |
| Zenka — mobile loan | active | KES 7,884 |
| Branch — mobile loan (defaulted) | CRB-listed | KES 8,000 |
Left over each month: KES 1,385.
- Tap Kitchen → it accounts even the 20-bob matchbox and the salt.
- The daily chai habit is itemized: ~490/mo on milk & tea leaves alone.
Saving toward: Wedding fund.
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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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