Debt Free Me

The Consensus from the Economists is that Interest rates will rise again, the 4th time this year! do you have a plan to repay your debt and home loan faster than the normal 25-30 years? In the book i talk about how to literally save tens of thousands of dollars in interest costs. It's all about the way you pay, if the bank set up your loan its most likely set up to make them more money than you unfortunately. I can review your home loan in mere minutes and help you with setting it up to work for you. I have helped thousand's of borrowers over the years, Comment "yes" and I will be in touch.

Interest is on my mind, the rate you pay can differ a lot between the banks and mortgage companies. I have seen multiple clients recently paying far more than they should on their variable rate home loans. check your rate now and if you are paying over 6.09% on your home loan get in touch. We have lenders starting from 5.93% for owner occupied loans. You could be paying $1000's more than you need too..........

“My repayments are killing me.”

“I'm paying too much interest.”

“My bank won't give me a better rate.”

“I've been with the same bank for 8 years.”

“I don't know whether I'm getting a good deal.”

if these questions are in your head, let's talk!
I have no doubt I can save you money in interest and other hidden expenses. [email protected]

The 7 DebtFree Me Principles

1. You cannot change what you refuse to face.
Clarity comes before control.

2. Lenders profit from your debt, not your freedom.
The financial system is not designed to get you out of debt.

3. Debt grows faster than you think.
Interest compounds quietly - and works against you.

4. Debt is created through patterns - and eliminated through better ones. Small repeated actions shape your outcome.

5. A goal gives your money direction.
Without direction, money disappears.

6. What gets measured gets controlled.
If you don’t track it, you can’t fix it.

7. You don’t get out of debt by thinking - you get out by changing behaviour. Knowledge helps. Action changes everything.

Awesome interview with Jesse Hobson on 5 with a digger podcast about “debt free me” and all things money, life and mental health. Please have a listen, like and subscribe. Cheers Cliffo.

5 With A Digger. Grant Clifton. 5 With A Digger Podcast · Episode

The Real Cause of Debt:
Most people think they understand why they have debt. They might say: I grew up. I have bills now. Life got more expensive!
That’s partly true. But it’s not the full answer. If simply growing up caused debt, then previous generations—who had far less than we do—would be the most financially stressed. They’re not. So
something else is going on. What Changed?
As life progresses, expenses increase. That’s normal. You move out. You pay rent or a mortgage.
You take on responsibilities. But that alone doesn’t explain why debt becomes overwhelming.
We now live in a world where credit is easy to access, spending is constant, costs continue to rise and lifestyle expectations are higher than ever. Yes, the economy plays a role. Inflation, housing costs, and uncertainty all affect us. But here’s the uncomfortable truth: Most people had more opportunity than previous generations and still ended up with more debt.
The real cause of debt is simple -
it’s not how much we earn—it’s how much we spend.
Debt is created through patterns. Not one big mistake. But a series of many small, repeated ones.

How It Actually Happens:
Debt rarely appears overnight. It builds slowly with a purchase here, a bill there, something unexpected and something desired. Over time, these small gaps between income and spending accumulate. Eventually, the balance grows to a point where it feels overwhelming.
Get the book, work through the program and "GET DEBT FREE"!

How do you pay that mortgage off quicker?
Did you know that if you pay your home loan off over 30 years then you will pay back 3x the amount you originally borrowed, with a stuructured plan you can usually half the time.The sooner you make a start on getting the right structure and having a faster repayment plan you are 95% ahead of the rest of Population.
If you live in SE Queensland and would like to come to a Free "Pay off your mortgage quicker course" then let me know. I will be holding these during August on Sunshine coast, Brisbane and the Gold coast. We will get you on track with a clear plan for quick "debt repayment". If you live outside of SE Queensland and can get together a minimum of 15 people in your town I will happily come and do a course in your town. or e-mail me about the next online session for an invite.
E-mail me: [email protected] for further details and dates. Cheers Grant

Discovery: How much is that credit card, car loan or wallet wizard costing you?
When did you last review your home loans? Are you paying to much? Debt free is about ensuring you have the right product at the best rates. Reach out if you need help, I am here to help. Cheers (Cliffo) Grant
Debt Free Me
Alpha Blokes Podcast

Who regularly logs into thier internet banking once their mortgage payment has gone out and thinks…jeez my loan hasn’t gone down much at all!
If this is you, you need to review and restructure your home loan. I can do this for you and with lenders who offer the best rates and products to help you become debt free faster. It’s in the book read about it or call me for a chat. Grant 0493 343-185