When Josephine Wairimu first envisioned her dream home in Kitengela, she imagined a smooth process—buy land, hire a contractor and watch her house rise from the ground, brick by brick. She had saved for years and believed her budget would comfortably cover the project. But six months in, she was already spending far more than she had planned.
“I thought Sh3 million would be enough to build a simple three-bedroom house,” she says with a sigh.
