I earn Sh150,000 monthly but save only Sh35,000. How can I afford land?

Key among these is the focused goal of owning a piece of land in Ngong worth Sh3 million within the next two years.

Photo credit: Shutterstock

I am 30 years old, and I earn a net of Sh150,000 with monthly expenses of Sh95,000 (rent Sh30,000, fuel Sh20,000, airtime/data Sh5,000, food Sh20,000, miscellaneous Sh10,000 and black tax Sh10,000).

The remaining Sh55,000 I split as follows; Sacco savings Sh35,000 and travel and entertainment of Sh20,000. I need to save and buy a piece of land in Ngong worth Sh3 million in the next two years. How can I go about this?

PAYE Tax Calculator

Note: The results are not exact but very close to the actual.