@ oga meno
majority of us are not that open minded,we dont appreciate the reality; as it is,we live other people's lives and by the time we begin to live our lives it is already to late to take a recourse...
as for you,i think you've begun to confront your life at the right time,15 yrs to retirement coupled with a set of realistic strategies can turn around things... even though 22k seems meagre esp with 3 demanding kids,i believe you can make it - so long as you maintain the momentum...
going by the breakdown of your expenses,(Rent=4,000pm. Food et al=8,000pm. Fees=6,000pm. Miscell.=4,000),i am not sure what you can do away with or what you can reduce to boost your savings,may be you will have to consider discussing with your employer for pay reviews,or switching for greener pastures as well as thinking outside the box...
the latter being,utilizing the 206k in the sacco contribution.... if you can get the guarantors you can secure over 600k and invest it in low risky investment vehicles that will possibly generate fixed incomes higher than the sacco dividends (if any) after covering the interest charge,you could also contemplate investing in plots in prospective areas and you could end up reaping some good profits ...
and BTW what does you spouse do for a living? may be she could be the missing link to your successful life...
When you run so fast to get somewhere,you miss the fun of getting there... Life is not a race,so take it slowly....
When you hear what I say, you will not understand. When you see what I do, you will not comprehend