Mwangi Luke
Fraud,Politics and entertainment Blogger with over 4 years experience in this field


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It can be challenging when you’re being underpaid considering the current state of economy. Whether you are employed or struggling to make ends with multiple hustles, this can happen to you.

Especially when you are living in the capital, Nairobi, you have to get a good plan for you money before you consume it all.

Here are some of the tips that can help you survive on low pay.


This is the best way to control your spending and it will keep you in check. Proper planning will enable you to allocate money for the most important things.

Having a budget also lowers your chances of depending on loans to fund your needs.

Prioritize your needs

Having a priority list will limit you from spending your money on unnecessary things.

Paying your bills, transport to work and food are some of the basic things that should be at the top of your priority list.

Pick free entertainments

No matter how low your salary is, it is important to have room for entertainment. This is a good way to take a break from a frustrating/ busy life.

With a low income, it could be difficult to fund a ‘party- lifestyle’. The good news is that you can still have fun by attending free events.

Get a roommate and pick a small house

If you can compromise your privacy, you can live with a friend and cost-share.

If you value personal space, avoid getting a very spacious house that will be more expensive. A bedsitter can serve you just right.

Buy quality second-hand items

You can cut down on spending by being familiar with shops where you can buy quality second-hand items.

Cook food at home

Invest in buying whatever you need to cook for yourself. Buying food on a daily basis can milk your pocket dry.

- A word from our sposor -


How to survive on KSh 20k salary in Nairobi