Paul Cluff Financial Coach | Bank

Paul Cluff Financial Coach

Phone: +61 1300 788 552

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25.01.2022 What is financial health or well-being? Financial health is the way in which your financial and economic resources affect your physical, mental, and social well-being. Research shows that financial issues are the leading cause of stress for Australians aged 18-45. Stress often leads to health issues, additional expenses or even loss of income. On the other hand those with high levels of well-being have the financial freedom to make choices allowing them to enjoy more happy and fulfilling lives. Do you need a financial health check-up? Paul

25.01.2022 Whether it’s securing a loan for your first home or an investment property, or setting yourself up for a comfortable retirement, I'm here to help. Have a great weekend! Cheers Paul

25.01.2022 Selling your home? Here are the first steps to take. https://www.pcfc.com.au/index1.php?p=cms&CMSID=157

24.01.2022 I'm not just about getting you the right home loan, I am also about teaching you how to pay it off quickly. Interested? Let's catch up for a chat, it won't cost you anything. Cheers Paul

23.01.2022 Came across this recently...some good advice! Paul

22.01.2022 Do you want to start a family now, or do you want to build a nest? Get in touch with me and we can discuss your home loan options. Cheers Paul

22.01.2022 This weekend, grab a coffee and spend some time working out what you want from your money. The One-page Financial Plan will help you get clear about the things that matter to you and begin bridging the gap from where you are now to where you want to be. Remember doing something is always better than doing nothing and I am here to help you every step of the way! Coach Cluff

22.01.2022 Whether you are starting out or planning for retirement, my goal is to help you achieve financial success. Like to know more? Contact me to chat about how we can work together. https://www.pcfc.com.au/contact-us.html Paul

21.01.2022 No matter what your financial goals are, I can help you make it happen. The time to act is now. For more information check out our website or contact me today for an obligation free chat. Enjoy your day! Paul https://www.pcfc.com.au

21.01.2022 If I had one piece of 'golden' advice for people experiencing financial difficulties, it would be to go back to the basics. Apply this rule and you CAN get yourself back on track. My clients depend on me to not only help them get back on track but to stay on track and build a better life. I would love to help you too, send me an email or give me a call. Paul

21.01.2022 Applying for a loan? Do you know where your important documents are? Our clients have access to our digital document management system 'Shoebox', designed to help clients keep track of all their important documents. Visit https://www.pcfc.com.au/Shoebox.html to find out more.

20.01.2022 According to survey findings by the Australian Psychological Society on 'Stress & wellbeing - How Australians are coping with life' - the top cause of stress in Australia is personal finances. If you need help in reducing your financial stress and increasing your chances for financial wellness, get in touch. I would love to help. Paul Phone 1300 788 552 Email [email protected]

20.01.2022 If you have money on your mind and would like to ask a question, get in touch for a free telephone consultation. I have over 35 years in the financial services industry and a passion for helping everyone to achieve their financial goals. Cheers Paul Phone 1300 788 552 Email [email protected]

20.01.2022 I've helped hundreds of people escape from the debt cycle and taught them strategies and ways to stay out. Contact me today for an obligation free chat about how I can help you too. https://www.pcfc.com.au

20.01.2022 Research has found that seeing the glass half full not only makes you happier, it makes you healthier and wealthier. I can help you achieve a more positive outlook beginning with your finances. Check out my website for more details or contact me for a free chat about how I can help you achieve positive results. Cheers Paul

19.01.2022 Managing your personal finances is like getting fit. You need to exercise and eat right to lose weight just like you need to spend less than you earn and pay yourself first to manage your money. I can help you to achieve your financial fitness goals. It's time to get started, contact me today for an obligation free chat. Paul

18.01.2022 Interested to find out more about a reverse mortgage? Here are some important things to consider. https://www.moneysmart.gov.au//home-equi/reverse-mortgages Paul

18.01.2022 Did you know that the average Aussie couple are spending around $65k on their big day?

18.01.2022 While you can't always stop every emergency, you can lessen the financial pain by knowing you have put some extra money away. Get in touch for an obligation free chat about how I can help you to be prepared for life's curve balls. Hope you are staying safe and dry! Paul

17.01.2022 My goal is to empower you to achieve greater life fulfilment through a balanced, realistic and affordable approach to your money management. Paul e: [email protected]

17.01.2022 Financial Coaching teaches you to take control of your life allowing you to thrive rather than strive. Get in touch for a free chat about how I can help you achieve a better life using sound financial principals and a customised action plan tailored to meet your needs. Paul Phone 1300 788 552 Email [email protected]

17.01.2022 https://www.moneysmart.gov.au//how-australians-spend-their It's that time of the year again! Here's an interesting infographic on how we are spending our tax returns.

17.01.2022 As the sun sets on a winning week, relax and enjoy your weekend. Cheers Paul

17.01.2022 Do you know someone giving Dry July a go?

16.01.2022 Did you know that when you sign up for our 'Get fit Money Australia' Program we assess your total financial position with a view to achieving good life balance in the process. The Get Fit Money Australia package includes: Budget analysis and strategy Debt management strategy Superannuation strategy and advice... Personal insurances analysis, strategy and advice Home loan/mortgage strategy and advice Basic Will included Annual reviews and strategy tracking Email address for private access to ongoing coaching Members only access to Shoebox - digital document management system Contact me for more information or to talk about how the PCFC Group can get your money working for you. Cheers Paul

16.01.2022 Are you making good decisions? The key is to learn to evaluate a choice, in the very moment that you're going to make it. Make choices that are more likely to move you toward the life you want to live. You don't have to make giant changes to experience measurable improvement. Paul

15.01.2022 With so many products offered by various lenders, it can be hard trying to figure out whether or not you’ve scored yourself a good deal on your home loan. While doing your research and comparing what’s out there in the market is one of the most obvious ways to find out whether you’re sitting on a good deal, it can be a time consuming practice and an overwhelming experience for those without specialist knowledge of the mortgage sector. I have specialist knowledge of products ...from multiple lenders, talk to me to ensure you are getting a good deal. Have a top weekend Paul Ph: 1300 788 552

15.01.2022 Many individuals have a troubled relationship with money. Then, when they get into a couple relationship, money matters get explosive. Other people may have no problem with money individually; the trouble starts after they're in the relationship. Never try to negotiate about money before airing your feelings; otherwise, negotiations may break down. Paul

15.01.2022 My goal is to make sound financial advice available to everyone. If you need some help or just want to ask a question, I would love to help you. Ph 0433 149 788 or email [email protected]. Enjoy your weekend! Cheers Paul

13.01.2022 The quickest way to building financial wealth, like getting fit or losing weight, is to START NOW. As Financial expert Todd Tresidder brilliantly puts it Procrastination is the single biggest wealth killer. By taking action, you start building daily habits that are so crucial to wealth creation and are the exact reason why lower income earners become millionaires and why lottery winners become broke. Paul

13.01.2022 If you are planning on buying, here are some useful tips for stage one. Cheers Paul

13.01.2022 A client of mine recently had an accident and is unable to work for several weeks. Unfortunately he didn't have Income Protection Insurance. What would happen if you couldn't work due to an accident or injury? Who would pay your bills? Like house and car insurance, we all hope never to make a claim but being covered is empowering and can make a huge difference during an otherwise difficult time. I can help find the right solution for you. Paul Phone 1300 788 552 Email [email protected] https://www.pcfc.com.au/index.php

13.01.2022 This article is on the money. I always recommend budgeting before borrowing. Cheers Paul

12.01.2022 Did you know there is almost $12 billion in unclaimed or lost super held by super funds or the ATO? Maybe you have lost or unclaimed super that you don't even know about. I can help you find out and together we can work out the best super strategy for your perfect retirement. Like to know more? Contact me for an obligation free chat. Paul... [email protected] ph: 1300 788 552 See more

12.01.2022 What would financial peace of mind mean to you?

12.01.2022 We are super excited to announce that we are state finalists out of more than 450 total submissions for the Mortgage & Finance Association of Australia (MFAA) industry’s annual MFAA Excellence Awards. We find out if we have won the 'Diversified Business Award' on June 15 at the Awards dinner - will let you know how we go! The Mortgage & Finance Association of Australia (MFAA) is the peak body representing professional finance brokers, mortgage managers, and aggregator/broking... groups, to assist them to develop, foster, and promote the mortgage and finance industry in Australia.(www.mfaa.com.au) Paul #MFAAawards #exciting #wishusluck

12.01.2022 Thrilled to have been acknowledged by the Mortgage and Finance Association of Australia at last nights' Excellence Awards dinner. We really appreciate our industry support and the support of our wonderful clients. Have a great weekend! Paul

11.01.2022 A journey of a thousand miles begins with a single step. Procrastination and doing nothing does not create success or help you achieve your goals. You need to act. Actions produce energy and momentum. Paul

11.01.2022 Have you seen our cost-effective financial packages? Check them out on our website at https://www.pcfc.com.au/Packages.html# Get in touch if you would like to know more, it's obligation free. Cheers Paul

11.01.2022 Need some advice? Get in touch for an obligation free chat. Cheers Paul 0433 149 788

10.01.2022 Money got you in a spin? Do you need to make a change? Today is a great day to start! Contact us for a chat about how we can help you. www.pcfc.com.au

10.01.2022 Some helpful hints if you are thinking about starting a family. Cheers Paul

10.01.2022 Enjoy the great weekend weather. Cheers Paul

10.01.2022 Regardless of what stage of life you are in, research shows that writing down your goals (financial or otherwise) gives you a better chance to achieve them. The process of identifying goals and what you want from life, is a positive action and helps make you feel more in control. Paul

09.01.2022 As your Financial Planner I can help you achieve your goals from getting your first home to retirement planning and everything in-between. Take the first step to a better future and get in touch for an obligation free chat. Paul

09.01.2022 What do you have planned for the weekend? Your only limit is you.

09.01.2022 Are your feeling in control of your finances? Could you benefit from a better home loan deal? Make your next move strategically and get in touch for a free chat about how I can help you save money and build a better life. Cheers Paul

08.01.2022 Our programs are designed to make sure you are prepared and always in control. Let us show you the way. https://www.pcfc.com.au/Packages.html

08.01.2022 Like to know if you can get a better rate on your home loan? Give me a call. Cheers Paul 0433 149 788

08.01.2022 If you need some help to get out of the debt cycle, I can help you. Now is the perfect time to release your old spending habits and create a future you will love. Remember to look up tonight and enjoy the full moon. Paul https://www.pcfc.com.au/contact-us.html

06.01.2022 With the end of the financial year upon us, it's a good time to have a look at the goals you set at the beginning of the year and determine if you are on track. If not, maybe spend some time over the weekend to reflect and work out what you would like to achieve before years end. Remember 'a goal without a plan is just a wish'. I can help you stay on track of both your short-term goals and longer-term goals. The sooner you start planning, the sooner you can build the life you want, and live with better peace of mind. Stay warm. Paul

06.01.2022 I'm a strong believer in an offset account however this is only part of the equation in paying your loan off sooner. Contact me and we can have an obligation free chat about the best strategy for your situation. Cheers Paul

06.01.2022 I can help you get a competitive rate on business or personal car finance. Contact me today for more information, it's obligation free! Paul

06.01.2022 How can I help you? Find out by visiting my website for details on services and Money Management programs. Get in touch for an obligation free consultation, you'll be glad you did! https://www.pcfc.com.au/Services.html Paul

05.01.2022 Could be a good time to reassess your home loan to make sure you are protected against interest rate movement. Turnbull is warning of a potential rate-hike of up to 2%. Here to help when you need it. Cheers Paul 0433 149 788

04.01.2022 http://www.moneyandlife.com.au//women-and-wealth-creation/

04.01.2022 5 things you should avoid paying for with your credit card #creditcard

03.01.2022 'Aussie attitudes to finance' infographic..what's holding you back?

03.01.2022 Some food for thought on creating good financial habits. Cheers Paul

02.01.2022 A great story on how the right insurance cover can totally change the recovery journey following an accident. I assist my clients by analysing their risk profile and making sure they have the appropriate cover for their stage of life. If you would like a review of your current insurances or are unsure what your needs are, I would be happy to assist, just get in touch and we can have a chat. Cheers Paul Cluff Financial Coach 0433149788

02.01.2022 Need help with retirement planning? I can help you plan a better future. Contact me for an obligation free chat. Paul

01.01.2022 If your business is paying rent while your super sits around getting fat, it’s time to consider putting your super to work. Cheers Paul

01.01.2022 Buying, renovating or refinancing a home usually takes a lot of thought and planning, yet many people jump straight into a home loan without much consideration. It's so important to do your research or get some advice to ensure you are getting the best from your loan. I help my clients find the right loan to ensure they are protected against interest-rate risk, have flexibility to manage life's up and downs and allow them to pay off more quickly without penalty. Read the article below for some of the basics or get in touch for more information. I would love to help you choose well. Cheers Paul

01.01.2022 If you’re looking at buying a house in 2017, it could pay to start watching the market now and getting a feel for what you can expect. Fortunately, several expe...rts have already weighed in and make their predictions for what might happen over the coming year. Take a look at what they think as it may help you find the best time to buy a house. See more

01.01.2022 When was the last time you looked closely at your home loan? Check out my website for some great tips on how to reach financial freedom sooner. https://www.pcfc.com.au/index1.php?p=cms&CMSID=165