Problem is most people in Kenya save what is left after spending. Infact, statistics show that 92% of Kenyans don't save. I encourage you to form a habit of spending what is left after saving. For me, at times I can be broke. Not because I don't have the physical cash but because the money for spending has almost ran out.
But this is typical of a certain tribe in Kenya they make huge investments and are wealthy but live like paupers the type huenda kwa hoteli duni ya githeri pekee and he will still eat on credit and eventually will never pay a mere 20/-