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How Wanjiku Ndung’u, a nurse in Old Town, Mombasa, lives on KES 59,100 a month
Wanjiku Ndung'u, 30 — Nurse in Old Town, Mombasa, raising 3 children.
One income, all the responsibilities — no room for error.
Earns: KES 59,100 per month. Housing: KES 10,800 rent.
Kitchen — KES 8,550/month
| Unga (maize flour) | KES 710 |
| Rice & pasta | KES 480 |
| Sukuma/mboga (mama mboga) | KES 480 |
| Milk & tea leaves (daily chai) | KES 2,590 |
| Sugar | KES 230 |
| Cooking oil | KES 430 |
| Meat/omena/eggs | KES 1,840 |
| Bread & breakfast | KES 590 |
| Fruits | KES 510 |
| Salt | KES 30 |
| Matchbox | KES 20 |
| Spices & royco | KES 70 |
| Gas refill (13kg cycle) | KES 570 |
Utilities — KES 2,460/month
| KPLC tokens | KES 740 |
| Water bill | KES 370 |
| Garbage collection | KES 120 |
| WiFi (home fibre) | KES 1,230 |
Connectivity — KES 1,120/month
| Airtime & okoa | KES 280 |
| Data bundles | KES 410 |
| TV (Gotv/DStv) | KES 430 |
Transport — KES 3,960/month
| Matatu/boda fares | KES 1,490 |
| Kids school transport | KES 2,470 |
Family — KES 9,750/month
| School fees (3 kids, private day) | KES 8,030 |
| Uniforms, books & school snacks | KES 1,110 |
| Kids clothes & shoes | KES 610 |
Personal — KES 2,410/month
| Salon (braids/treatment) | KES 1,020 |
| Clothes & shoes | KES 1,020 |
| Toiletries & grooming | KES 370 |
Health — KES 660/month
| SHIF/NHIF | KES 660 |
Social — KES 1,960/month
| Church/Mosque offering & harambee | KES 730 |
| Chama contribution | KES 1,230 |
Debts
| Unaitas — SACCO loan | active | KES 108,419 |
Left over each month: KES 17,430.
- Tap Kitchen → it accounts even the 20-bob matchbox and the salt.
- The daily chai habit is itemized: ~2,590/mo on milk & tea leaves alone.
Home setup: family bed + decker bed for the kids.
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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