My name is Francis. I am married with three children aged 10, seven and three. I have always been bad at setting and realising resolutions. I am determined to change this with an ambitious goal. In the coming year, I want to build a three-bedroom home in Thika. My estimated budget is Sh3 million. I already have the plot.
My net income is Sh60,000. My monthly budget is as follows. Rent Sh10,000, food and groceries Sh20,000, KPLC, water and GOtv Sh4,000, chamas Sh5,000, tithe Sh6,000, wife allowance Sh5,000, bank savings account Sh4,000, minor debts Sh3,000, parents Sh2,000. My wife works in the education sector and earns around Sh23,000 but I don't really follow how she spends her money. How can I achieve my goal by December 2025?
