How Kaldi can help you get the most out of holiday shopping - and gift yourself a little investment boost with cashback.

The season of giving is upon us 🎁, and while it's a magical time, let's be real - it's also a little brutal on our bank accounts. If you are a bargain hunter, impulse buyer, luxury lover, or someone who likes to splurge during the holidays, Kaldi could be your secret weapon. Pay with Kaldi to turn those holiday shopping sprees, whether that's a gift for grandma, an ugly Christmas jumper, or a romantic weekend away for two, into an opportunity for future gains by sending the cashback made on those purchases into your investments.

Capital at risk when investing.

The holiday spending splurge

Did you know that the average 25-34yr old in the UK spends £1,317.50 over the holidays¹? That's a lot of holiday spirit (about 29% more than the rest of the year)! Not to mention, around 14% of the population expects to grow their debts across the festive period. Kaldi hopes to make it easier to offset some of that expense - and even grow your savings at the same time! So how does it all add up?

Breaking down Christmas spending and how Kaldi helps

Let's walk through where all this holiday spending goes and how with a little Kaldi magic you can turn those expense into helping your savings:

Food and Drink

The average weekly food shop over the holidays for a UK adult is £34.44¹. Add in the Christmas feast shop, which typically costs an additional £32.35 on average, and you're looking at a pretty hefty grocery budget. However, if you're shopping at retailers like Tesco or M&S, Kaldi can earn you 3% cashback.

Here's how it could look for December:

• Week 1: £34.44 (cashback: £1.03, roundup: 56p)
• Week 2: £34.44 (cashback: £1.03, roundup: 56p)
• Week 3: £34.44 (cashback: £1.03, roundup: 56p)
• Week 4: £66.79 (incl. the Christmas meal, cashback: £2.00, roundup: 66p)

Total put into savings from groceries? £7.43 - all of which through Kaldi would be automatically invested. More reasons to shop with Kaldi...

Gift for your nearest and dearest:

In total 25-34yr olds spend around £403.51 on presents¹. Let's say you were super organised and divided your shopping between a few retailers to maximise cashback:

• ASOS: Spend £135.76, get £5.43 cashback and 24p roundup
• Adidas: Spend £133.50, get £10.68 cashback and 50p roundup
• Virgin Experience Days: Spend £134.25, get £13.43 cashback and 75p roundup

By gifting to others, you'd gain a healthy £31.03, straight into your preselected investment fund.

That's a holiday gift for your future you too!

A little holiday get-away:

Fancy a night or two away from the Christmas chaos? Kaldi offers cashback on bookings when you book through Airbnb, The Global Holiday Car by Expedia, Inspire Travel, Eurostar, Lastminute.com, and more, gaining you that extra little bonus. So, whether it's a cosy weekend or a grand New Year's adventure, you can treat yourself and save some extra cash for your future.

Capital at risk when investing.

Turn that cashback into investments

So, you now know how Kaldi can get you cashback on present shopping, weekends away, and grocery shopping, but how does that cashback go into your investment fund? Don't worry you don't need to be a financial wizard to make it happen.

Turn on Automatic Investing: That's right, every time your Savings Pot hits £20+ it transfers straight into your pre-selected investment fund. It's a simple as that. You just set it and forget it, then every time you use Kaldi to pay at the till or online at participating retailers, that cashback will flow into your investments without you having to lift a finger. On average, you could earn between 3-4% cashback², so those little purchases can add up over time, boosting your financial journey whilst being hassle free.

Remember when you invest your capital is at risk.

Treat your future self without missing out on present day fun

By using Kaldi, you're essentially giving yourself a gift for the future - adding to your investments while taking care of your holiday shopping list. It's the season of giving after all, so why not include your future self on that list? It's a way to round up those extra pennies and put them to work, all while enjoying the holidays. What's not to love?

Join the savings revolution! 🎉

Remember, Kaldi doesn't offer advice, so you're responsible for making any choices about investments. If you don't understand all the details (including the risks), you can talk to an independent financial advisor who may be able to help you. Remember, you can move the cashback form Kaldi straight into your bank account instead of investing if you feel that a loss would cause you financial difficulty. Click here to find out more about the fees that you will be charged.

¹Using UK Consumer Goods Basket 2021 YouGov re-indexed for CPI increase to 2024 of 20.8% UK Parliament

²Check out Sally saves Blog to see how we assume cashback return of 3-4% based on spending £655/month across brands that align with Kaldi’s Gen Z target audience’s distinctive preferences.  

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