Note the following content is intended to be educational but it does contain promotional material for Kaldi.

Keeping on top of your finances can feel like a full-time job sometimes. Or, it doesn't feel like a job at all because it's a bit too complicated and you forget it's even a thing. While that might seem like the easy way out, you shouldn't let your finances take aback seat especially in your younger years.

Fortunately, things aren't like the old days, when everything was done with a calculator, a piece of paper and a lot of hope. There are financial apps available to help you make more informed decisions.

One of those is Kaldi, a personal finance app packed to the brim with top-notch budgeting tools. These features work together to transform how you manage money and invest with ease. Let's explore how Kaldi can revolutionise your finances.

Earn While You Spend

Who doesn't love getting something back when they spend? With Kaldi's cashback feature, you can earn money back on your everyday purchases. Unlike some cashback schemes that are complicated or hard to use, Kaldi makes it simple.

Every time you shop using the Kaldi app, you'll earn cashback on your purchase. The amount varies depending on the retailer, but it all adds up. And the best part is that you can choose to have your cashback automatically invested or saved, helping you reach your financial goals even faster.

Small Change, Big Impact

We've all heard the phrase "look after the pennies, and the pounds will look after themselves". With Kaldi's Round UP feature, this old saying gets a modern twist. Every time you make a purchase, Kaldi will round up the total to the nearest pound and pop the difference into your savings.

It might not seem like much at first, but these small amounts can really add up over time. In fact Moneybox found that it's users save on average £437.32 a year. Imagine you buy a coffee for £2.63. Kaldi will round that up to £3, with the additional going straight into your savings.

You can see how easy it is to start saving without even trying. It's a painless way to build up your savings, and you probably won't even notice the difference in your day-to-day spending. Now, imagine if those savings were then invested?! But more on that later.

Sharing the Wealth with Linked Accounts

Sometimes, it's not just about your own financial goals. Maybe you want to help a family member save, or help someone out during their financial journey. That's where Kaldi's Linked Accounts feature come in handy.

You can link your Kaldi account to another user, and automatically send all your cashback and round ups (if you've got them turned on) straight into their savings on Kaldi and, if they choose, invested. It's a way to give someone a helping hand with their savings, without having to remember to transfer money each month.

But there's another side to this coin. For younger users, this feature opens up an opportunity for some, let's say, friendly persuasion. Kids might encourage their parents to get Kaldi so they can benefit from their family's everyday spending. Imagine earning savings from your parents' weekly grocery shops, family dinner out, or even holiday bookings. It's a win-win situation: parents can teach their kids about saving, while the kids get a boost towards their savings goal.

It's a feature that creates an interesting dynamic, encouraging family discussions about money management and potentially making savings a family affair. Whether you're the giver or the receiver, Linked Accounts can add a new dimension to family finances.

Spread the Love, Boost your Savings

Let's face it, who doesn't love making money off their mates? With Kaldi's referral bonus, you can do just that - and fee good about it too! Earn an extra 0.5% cashback on everything your friends spend with Kaldi for three months when you refer them. The best part? You can refer up to five friends at a time. Time to strategise and pick those big spenders in your circle. It's like a game where everyone wins, but you win a little more Ka-ching!

And here's the really cool part - Kaldi will let you know how much each of your friends is contributing to your savings goals. You'll see the impact of your referrals, and you might even find yourself in a friendly competition to see who can save the most.

Clever Saving and Minimal Effort with Kaldi

Investing can seem daunting, especially if you're just starting out. But with Kaldi's Monthly Sweeps feature, you don't need to channel your inner Gordon Gekko and can dip your toe into the investment world without having to make any big decisions.

From there, the combined amount is invested into your preferred investment account. This system encourage smart budgeting, and you can allocate money to your Spending Account at the start of the month, including a bit extra intended for savings.

Whatever you don't spend gets swept into savings and then invested. It's a hassle-free way to budget, save, and start building your investment portfolio all at once.

Taking the Stress Out of Investing

If you want to take things a step further, Kaldi's Auto-Investing feature is for you. You can choose to automatically invest your savings, including cashback, into your preferred investment fund once every 30 days, as long as your Savings Balance is £20 or more.

This feature takes the decision-making out of investing. You don't have to remember to transfer money or decide when to invest, as Kaldi does it all for you. It's a great way to build good financial habits without having to think about it everyday.

Do Good While Growing your Wealth

Many of us want to make sure our money is doing good as well as growing. We get it, which is why we offer options for ESG (Environmental, Social, and Governance) investing.

When you invest with Kaldi, you're not just planning for your future. Oh no, what you're actually doing is helping shape a better world. Our ESG rated options encourage you to support companies leading in environmental protection, social responsibility and ethical governance.

Imagine your money backing renewable energy, fair labour practices. Or innovative waste reduction. It's not just feel-good investing; it's smart. Sustainable companies are often better prepared for future challenges. With Kaldi, you can grow your wealth while making a real difference.

Simplicity is Key

One of the best things about Kaldi is how easy it is to use. The app is designed with you - the user, in mind, making it simple to see where your money is going while tracking your savings and managing your investments.

You can see all your accounts in one place, set up savings goals, and track your progress. The app also provides insights into your spending habits, helping you identify areas where you might be able to cut back and save more.

Building Financial Resilience

One of the most important aspects of personal finance is building resilience. Thin having an emergency fund to cover unexpected expenses. For stuff like that, Kaldi makes everything easier than ever.

You can set up a specific savings goal for your emergency fund, and use features like Round Ups and Cashback to help you reach it faster. Once you've built up your emergency fund, you can focus on other financial goals, knowing you have a safety net in place.

Long-Term Thinking Borne Out of Everyday Actions

What sets Kaldi apart is how it combines long-term financial planning with everyday actions. By rounding up your purchases, earning cashback and automatically investing, you're constantly working towards your financial goals without having to make big changes to your lifestyle.

This approach to personal finance can be particularly beneficial if you are starting out on your financial journey. It's a way to build good habits and start growing your wealth, even if you don't have large sums to invest right away.

In other words, anyone can get started, and there's no need to be put off by the idea that investing is only for bankers. With Kaldi, we make everything super easy by thinking about your finances now and in the future. And it's all done with small day-to-day actions that act as the foundation of your financial habits.

Getting started with Kaldi

Ready to take control of your finances with Kaldi? Getting started is easy. Simply download the app, set up your account, and start exploring the features. You can link your existing bank accounts, set up your savings goals and choose your investment preferences.

Managing your money and investing in your future doesn't have to be a chore. By making small, everyday actions work harder for you, you can build towards your financial goals without even thinking about it. So why not give it a try?

Investing carries risk - the value of your investments can go down as well as up, and you may get back less than you put in. This article is for informational purposes only and does not constitute financial advice. Always do you r own research and consider seeking independent financial advice before making any financial decisions.