Real talk: Nomeda makes cashback work harder with Kaldi

“Start from the cashback, as it’s free money. Then you add the bit that you can invest to make it even bigger.”

Those are the words of Nomeda Mik, a 33-year-old HR professional from London. For her, Kaldi isn’t just another fintech app to add to the list.

It’s a way to make investing feel simple and accessible, even during the busiest years of life.

From complexity to clarity

Nomeda isn’t new to the idea of investing. Before Kaldi, she tried other investment platforms, splitting money between funds and individual shares. But the experience left her feeling cold. “I felt real pressure from them,” she recalls. “I didn’t really know what I was doing, and it felt like I was being pushed into decisions.”

That changed when she discovered Kaldi. At the time, she was on maternity leave with two young children, juggling family priorities and home renovations. She wanted a way to save and invest without the jargon or the pressure you find with many other platforms.

“Kaldi simplified it all for me,” she says. “It made investing feel like something I could do, and, most importantly, trust.”

First impressions and first steps

Nomeda first heard about Kaldi after using another savings app. Getting started was smooth enough. “Because I’d used other cashback apps, Kaldi felt nice and straightforward,” she says. That ease gave her confidence to begin using the cashback she earned from shopping at HelloFresh and H&M.

Making everyday spending count

Nomeda easily earns around £10 a month in cashback each month, mainly from HelloFresh boxes and food shopping. On its own, that might not sound like a whole lot. But she’s quick to point out that Kaldi takes something most would consider pocket change and gives it more meaning.

Take that £10 monthly cashback. Invested consistently in a representative higher risk fund it could grow to:

‍*Figures shown show a range of possible outcomes based on historical performance of Vanguard LifeStrategy 100% Acc fund. Please go to kaldiapp.co.uk/example-fund for more information on this calculation. Total returns are listed after fees. The figures shown are only illustrative, based on certain assumptions, and they’re not a guarantee of future performance. The value of investments can fall as well as rise, and it’s possible to get back less than you put in. Still, they help to show how spare change from everyday purchases can quietly build up in the background without any extra effort.

That’s the benefit of turning small, regular amounts into long-term habits. “You get the money and instead of giving it away, you’re hoping for returns,” Nomeda explains. “Even if it’s just cashback at first, it’s better than letting it sit unused.”

Saving with purpose

Nomeda does more than rely solely on cashback. She tops up her Kaldi account with her own money, putting it into an ISA linked to the HSBC Islamic Fund. Those contributions are helping her reach the immediate goal of saving for house refurbishments after moving into a new place.

The mix of cashback and personal contributions means she’s building a rhythm that works for her family. “As a mum, there are always expenses,” she says. “But Kaldi helps me put something aside and feel like I’m getting more out of my money.”

Confidence through design

What’s changed for Nomeda is less about the numbers on the screen and more about how investing makes her feel. “Kaldi simplified investing for me,” she says. “With other investing methods, I felt clueless. With Kaldi, I don’t feel pressured. There’s a stable fund I can trust, and I can see my progress.”

The shift in mindset matters. For many people, investing still feels intimidating. For Nomeda, Kaldi turned it into something approachable. Enjoyable, even.

“Regardless of what happens, it won’t be a shame if it goes bust because it started from cashback,” she says. “It’s a way to learn without fear.”

Sharing the experience

Nomeda has already recommended Kaldi to at least five friends, and she always leads with the same pitch: “Start from the cashback because it’s free money.” Aldi is usually her biggest selling point, but she also highlights how intuitive the app feels and how it fits into everyday life.

Her advice to new users is to keep it simple: “You can get the cashback money straight away, but if you put it into investments, you make it even bigger. That’s the beauty of it.”

Preparing for the future with Kaldi

Nomeda knows she’s still at the start of her journey, but Kaldi has already reshaped how she thinks about money. What was once a source of pressure and uncertainty has become a tool she can use with confidence.

Kaldi has given her a way to invest without overcomplicating life – exactly what she wanted. “Simplifying investments and making it straightforward for people like me is what Kaldi does,” Nomeda says.

The long-term projections show what’s possible with even modest contributions, and she’s excited to build on that over time. “In a year’s time, I’ll be able to add even more,” she says. “When I get to my million, I can be your best case study”, she says with a smile.

Find out how Kaldi can work for you. Download the app.

It’s important to remember that while Kaldi provides tools to help you invest and diversify, we don't offer personal financial advice. The value of your investments can go up or down, and you may get backless than you put in. If you're unsure about investing or your personal financial situation, it's best to seek advice from a qualified financial advisor.